vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Validation for Account No. XXXX To Whom it May Concern, This letter is in response to your contact on XX/XX/year> at XXXX am about the alleged auto insurance you have identified. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. [ INSERT ALL THAT APPLY ] [ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. 
[ I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act. 
Defamation of Character. ] Thank you for your consideration. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: 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 XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$29000.00} 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: TAMMAC HOLDINGS CORP
State: OH

Complaint narrative:
I have one payment left on a 25 year loan but they won't except the last payment till the forced insurance is paid off completely. The loan started in XXXX  and around XXXX  the mobile home had mold issues around the windows and in the walls. I moved out and continued paying the loan but couldn't get insurance cause of mold. Tammac Corp started placing the forced insurance. I didnt even know till my forced insurance was over a XXXX bill. Now that im down to my last payment they won't take the last payment and put my money towards insurance. So now each month even tho I pay more than my original XXXX a month im charged late fees and im currently marked as 43 days late. Ive paid every payment due now I getting charged XXXX bucks a month in late fees and my credit is taking a hit for paying for trying to pay a loan in full. Ive paid close to XXXX for a XXXX loan. When. The insurance was placed I had paid XXXX of my XXXX loan so the mortgage company was never in danger of not recovering money on the loan. I was directed to deal with a guy named XXXX who had me on speaker phone and he was laboring to breath and I couldn't understand him feel he was driving in a car on speaker. I told him I couldn't understand him so I told him and XXXX hung up on me. I called and asked for a inquiry on my account. Was told her boss XXXX put a note on my account for no one to help me and and she said in the recorded phone call he was her boss and she has to do what he says. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
I have held a PMI mortgage since XXXX. In XXXX, I took a COVID-19-related forbearance. After making two payments in early XXXX, I discovered water damage and a leak in my kitchen leading to the basement, which was extended before I purchased the property. When I attempted to file an insurance claim, I learned my home had been uninsured since XXXX. The mortgage servicer, XXXX XXXX XXXX, had failed to pay my homeowners insurance to XXXX XXXX XXXX XXXX. They told me they would send proof of payment to the insurer, but instead they sold my mortgage to XXXX XXXX. XXXX XXXX accepted two payments but then claimed no payments had been made since XXXX. They refused further payments for several months before finally accepting {$16000.00} on XX/XX/XXXX, to bring the loan current. The next day, the loan was SOLD to XXXX XXXX XXXX XXXX XXXX XXXX, which has refused all of my payments and claims I have not paid since XXXX. Despite the large payment made just before the sale, XXXX XXXX XXXX has filed a foreclosure lien against my home. Meanwhile, the un-repaired leak caused mold throughout the basement and into my home, worsening my asthmaespecially after I had COVID-19 in XX/XX/XXXX. Ive been unable to work for over 22 months due to persistent respiratory issues. I have documentation of all payments, attempted payments, and refusals by the lenders, as well as proof of temporary repairs. This situation has caused severe physical, emotional, and financial harm. I am seeking immediate relief, including halting the foreclosure, having the missed payments corrected, holding all bank servicer and banks accountable for failing to maintain insurance and failing to apply payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
I, am writing to formally dispute an inaccurate address listed on my credit report. The address in question is XXXX XXXX XXXX XXXX XXXX, MA XXXX, which I have never lived at. I respectfully request that this address be investigated and permanently removed from my credit file, as it is incorrect and XXXX have resulted from a clerical error, misreporting, or identity confusion.

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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I made a purchase with a clothing company named XXXX XXXX XXXX  for {$58.00}. I decided to do installments because I didn't like paying that much for a shirt and it made it feels more tolerable. There were for payments made. All automated and on time. I have an email to show for each payment as well as when the payments finished. 

The problem is that I never received the shirts. I contacted the company. I was told they ran out and more were coming shortly. I told them I was okay with that. XXXX werks later, with no further contact from the company I emailed them and asked for an order cancelation. They never responded. 

I sent a message via app to Affirm/XXXX  XXXX. No response. I wanted my money back so I contacted my bank. They got me money back. I thought that was it. 

Shortly after Affirm sends an email confirming a charge back. It also said I had a balance. I didn't understand how that was the case since I paid it. I figured they could see what happend and I'd be called and forgot about it. 

A couple weeks later a debt collector emails me about this debt. I have contacted them and we are trying to figure this out. 

It's fully documented I paid, did not receive product and got a refund. This should be the end. Their beef is with the clothing merchant ( XXXX XXXX XXXX  ) that didn't deliver paid for product. Not me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$12000.00}, XXXX XXXX  Balance {$10000.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX  Balance {$12000.00}, XXXX XXXX  Balance {$10000.00}, XXXX  Balance {$530.00}, XXXX XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: FL

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1900.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$41.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 am contacting you to dispute a number of hard inquiries that have appeared on my credit file. I did not authorize these inquiries, and I am not aware of any action that would have warranted their occurrence.

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 2025-07-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : XXXX XXXX for XXXX and XXXX XXXX XXXX under FCRA, XXXX, XXXX, FDCPA, and XXXX XXXX To Whom It XXXX Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( XXXX ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : AMERICAN EXPRESS XXXX XXXX Opened : XXXX XXXX Nature of Dispute : The Date of Last Activity is inconsistent : XXXX  reports XXXX XXXX XXXX  reports XX/XX/XXXX Violation of FCRA XXXX ( b ) and XXXX XXXX XXXX XXXX ( inaccurate and misleading reporting of aging ) Dispute Reason : This account shows 96 % on-time payments, but late payment markers appear in other bureaus. 
If XXXX bureau reports perfect payment history while others show late payments, this is an inconsistency that violates XXXX XXXX guidelines. 
The creditor must validate these missed payments or update XXXX  bureaus for accuracy The account is missing from XXXX  : Suggests selective or incomplete furnishing Violation of FCRA XXXX, XXXX XXXX ( XXXX  provisions ), and equal data furnishing standards The XXXX date is suspiciously aged : Last activity in XXXX vs. XXXX XXXX indicate artificial account extension Possible violation of XXXX and XXXX, which govern aging and accurate XXXX  practices This XXXX indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, accompanied by all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request in accordance with FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these legal requirements, the bureau failed to block the disputed information within the XXXX-business-day period mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, accompanied by all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request in accordance with FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these legal requirements, the bureau failed to block the disputed information within the XXXX-business-day period mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-22 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-22 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:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with explanation