vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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 dispute the XXXX XXXX XXXX account ending in XXXX as the result of identity theft. I never authorized this account to be charged off. The vehicle tied to this account was declared a total loss and was fully settled by insurance. I never consented to any continued liability after the settlement, and I did not authorize XXXX XXXX XXXX to report this account as delinquent or charged off. There are XXXX late payments reflected on my Equifax credit file yet the account is inaccurately listed with a charge-off balance of {$3300.00} and ongoing monthly derogatory updates through XXXX 

This tradeline violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and federal tax law : FCRA 1681c-2 ( c ) Equifax failed to block identity theft-related data within XXXX XXXX XXXX of receiving my FTC Identity Theft Report ( Ref. No. XXXX ), photo ID, proof of address, and written statements FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( XXXX ) illegal re-aging by continuing monthly updates after the XXXX charge-off FCRA 1681i ( a ) ( XXXX ) ( A ) refusal to delete unverifiable or misleading data 26 U.S. Code 6050P no 1099-C was ever issued for the charge-off over {$600.00}, making the reporting noncompliant and misleading This charge-off is fraudulent and not based on any valid delinquency. The XXXX payment history clearly shows CO updates ( Charge-Off ) without any prior XXXX, XXXX, XXXX, or XXXX late entries. There is no valid basis to report this as a legitimate charge-off. 

I demand that Equifax permanently delete this identity theft-related account within XXXX ( XXXX ) business days, as required by FCRA 1681c-2 ( c ), and provide written confirmation. If Equifax fails to comply, I will escalate to the FTC, IRS XXXX XXXX XXXX, CFPB enforcement, and pursue all legal remedies under FCRA 1681n and 1681o. 

Equifax has also repeatedly reinvestigated XXXX XXXX XXXX Account ending in XXXX, which is a current, positive account with no dispute on file. I never initiated any dispute or requested a reinvestigation for this account. It is properly reported as pays as agreed. The repeated reinvestigation constitutes unlawful interference under FCRA 1681i ( a ), which only permits reinvestigation when initiated by the consumer. This interference is harmful, unnecessary, and part of a broader pattern of reckless or automated misconduct by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I requested debt validation under FDCPA with a certified letter mailed from my post office XX/XX/year>. The debt collector is refusing to accept the certified mail. I have included the original letter ( redacted ) and copy of the USPS receipt for the certified letter. I do have a physical copy of the receipt from USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Upon reviewing my consumer credit reports, I identified inaccurately reported late payments on my account with XXXX  ( Account Number : XXXX ). Specifically, the reports indicate inaccurate and late payments for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accurate reporting by Consumer Reporting Agencies is essential, and I take the accuracy of my credit history very seriously. Therefore, I respectfully request a full investigation into this matter. I also ask that you provide supporting documentation, such as billing statements or payment history records, substantiating the reported delinquencies.

If no such evidence can be provided, I formally request that these incorrect late payments be removed and the account updated to reflect its correct status as paid on time. I trust this matter will be handled with the urgency and diligence it requires.

Thank you for your 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
Consumer complaint received 2025-06-30 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am writing to formally dispute a transaction on my account that I believe to be incorrect. 

On XX/XX/year>, I made a purchase on XXXX using Affirm as my payment method. Upon reviewing my account statements, I noticed that this single purchase was billed twice on the same day. 

Immediately, I contacted Affirm customer service to resolve this issue. Unfortunately, the representatives I spoke with were argumentative and unhelpful. Despite explaining the situation clearly, they did not acknowledge the duplicate billing and appeared to dismiss my concerns. Their primary response was to dispute my claim rather than work towards a resolution. 

I respectfully request that this matter be reviewed, and that the duplicate charge be corrected or refunded as appropriate. I have attached copies of my account statements showing the duplicate transaction for your review. 

Thank you for your assistance in resolving this matter. Please let me know if any further information is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( Subsections AD ). I formally dispute the results of a recent credit investigation conducted by the credit reporting agency. Despite their investigation, inaccurate items remain on my credit report, and I was not provided with actual evidence verifying the reported informationonly a computer-generated response. 

These unresolved errors are causing significant harm to my credit rating. I am requesting that the Consumer Financial Protection Bureau assist in ensuring an immediate and thorough re-investigation of these disputed items, along with proper documentation to verify their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Please provide all documents regarding any proof the information your reporting is mines. If you can not please remove the items.

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 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX my servicer provider changed. According to RESPA there is a 60 day grace period when this occurs. I made my payment early to the new servicer. Check was cashed. On XX/XX/XXXX my account was reported as delinquent. Spoke with the new services several times. They agree it should not have happened. They have been looking into it for XXXX XXXX. It is still showing delinquent on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXXXXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-30 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 hope this message finds you well. I am contacting you regarding a late payment that appears on my credit report but does not align with my payment records. Its possible this was a simple reporting oversight.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: TX

Complaint narrative:
I owe a payment with XXXX, I keep getting calls more than 10 times a day about a debt collector that has taken the debt called January. I have asked them to stop contacting me they have contacted me through phone calls, text messages, and email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

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 2025-06-30 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the correction of a late payment inaccurately reported on my credit file. Upon reviewing my records, I found that the payment was made on time and should not have been classified as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a payment in the amount of {$35000.00} which was in additional to the full contractual monthly payment due under the terms of my loan, including principal, interest, taxes, and insurance ( PITI ). This amount was to be applied fully to principal paydown of the loan as there was no outstanding balance on the loan. 
On XX/XX/year>, I submitted another payment in the amount of {$3900.00}, which constitutes the full contractual monthly payment due under the terms of my loan, including principal, interest, taxes, and insurance ( PITI ) for the payment due on XX/XX/year>. 
However, instead of properly applying these two payments to my loan account, PHH Mortgage placed it in a suspense account, and failed to apply it toward the outstanding balance and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 am disputing a late payment that may have resulted from a delay in internal processing. I made the payment on time from my end, but it appears it wasnt applied promptly.

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 2025-06-30 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: AZ

Complaint narrative:
A collection account listed on my credit report is inaccurate and has been reported in error. I have reviewed my files and verified that I do not owe this debt. It does not match any of my accounts, past or present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In my personal CD account that I established with Navy Federal Credit Union in XXXX. 
That account was solely established for my siblings and I. When my mother passed away in XXXX, we were left with funds to ensure that each one of us would be provided a proper funeral and related issues taken care of.

When I requested my monthly statement earlier this year, I spoke to XXXX, who spoked to me in a very harash voice stating to me that they didn't have to send me anything. When I asked why? He shouted at me and stated " because we don't have too. '' After dealing with Navy Credit Union for many years and never touching my CD account I couldn't understand why I was being treated so poorly. The later part of XXXX, my attorney had me filed a XXXX XXXX to protect me against from Lenders who took advantage of me during the " XXXX XXXX XXXXXXXX XXXX XXXXXXXX. '' My lender was XXXX XXXX XXXX XXXXXXXX who were foiled by the ( FBI ). XXXX being trying to steal my property from me since that occurred without legal grounds. This CD had nothing todo with the XXXX  XXXX, but Navy Federal Credit Union reported negative information about me thus disregarding the Gramm-Leach-Bliley Act, which disallow them to report customers ' information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been affected by the Equifax Data Breach. Per 15USC C 2 states except as otherwise provided in this section A consumer reporting agency shall block the reporting of any information on the file of a consumer that, that the consumer identifies as information that resulted from an alleged identify theft. Please remove the following accounts from my credit report XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I rented a bike from XXXX XXXX XXXX and returned it the same day as it is with everything paid. Next day, they started threatening me that I damaged their bike without any evidence and asking for the half the price of the bike. There is neither an accident case nor any police report, the claim they are making from thin air and not providing anything else. There is neither a medical report for anyone injured as well. There is nothing, just a vague threat and extortion of money. 

Refusing to pay their extortion, they are threatening to report it to the credit bureau. When I am disputing with the bureaus, they have refused to look into the issue and just reporting it, giving the reason that the company insists that it was your fault. Experian refused to look into anything, whether the claim even has merit or not and essentially taking the side of someone with horrible reason that someone insists its correct. Experian is a disgrace.

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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX performed medically necessary dental work on a right side molar. XXXX XXXX ' staff - XXXX XXXX - installed a crown. I used their credit services for payment - XXXX XXXX. The crown was not placed properly. I went back several times to have XXXX XXXX adjust the crown. XXXX XXXX admitted that the crown was not placed correctly and now it required a XXXX XXXX. i had to go to another dentist and have the tooth extracted. XXXX XXXX ' entire office was aware that the crown was misplaced, that I had to have the tooth extracted, and that I was not going to pay for the crown since it caused me all of these problems. XXXX XXXX sold the debt to XXXX XXXX who is reporting the medical debt to credit agencies, and it has hurt my credit score. XXXX XXXX has also sued me in XXXX XXXX XXXX XXXX. We have a trial date in XX/XX/year>.

Company response to consumer: Closed with explanation