vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XXXX, my mortgage was transferred from XXXX XXXX to Specialized Loan Servicing ( now NewRez/Shellpoint ) during the beginning of the COVID-19 crisis. I received a letter stating I was approved for a forbearance, but the documents sent for signature were actually a loan modification. I was never informed that this would result in a 40-year loan extension with a new maturity date in XXXX. The document even stated the loan would mature in XXXX, which was consistent with the original payoff date. 

I was under duress due to COVID, a single parent, and trusted that I was simply signing a forbearance agreement. Now, my principal has increased by over {$30000.00}, and the payoff extended by 25 years without my full understanding or consent. Ive been writing letters and receiving no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was promised XXXX XXXX XXXX points as a sign-up bonus for the XXXX XXXX American Express Card after spending {$2000.00} on eligible purchases within the first 6 months of card membership. I met this spending requirement within two billing cycles, yet the bonus points have still not been deposited into my account.

Although American Express acknowledges that the requirement has been fulfilled, they continue to tell me to wait without providing any clear resolution. It has now been over a month, and I keep receiving the same generic response.

Whenever I request to speak with a manager or supervisor, I am told that I will simply receive the same answer. At this point, I feel I have no choice but to reach out to you for assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-17 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: OH

Complaint narrative:
b'THEIR ARE OVER 170 INQUIRIES OM XXXX XXXX REPORT UNAUTORIZED NO WRTING OR VERBAL WITHOUT MY CONSENT.\nWHY DO THIS YOUR COMPANY AS RUIN MY CREDT REPORT EYE DONT WANNA HEAR SOMETHING ABOUT ITS THE SYSTEM XXXX XXXXXXXX XXXX XXXX XXXX XXXX REMOVETHIS FROM MY REPORT THIS MAKE THE LAST AND FINAL TIME THE NEXT MOVE IS TO sue.'

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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
Consumer complaint received 2025-06-16 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: Affirm Holdings, Inc
State: WI

Complaint narrative:
I disputed multiple accounts reported by Affirm Inc due to inaccurate balances listed on my XXXX  credit report. I submitted screenshots directly from the Affirm application showing correct balances, but XXXX  responded that the information was verified by the furnisher and considered accuratedespite my evidence. 

Later, I discovered that Affirm had reported multiple accounts as Charged Off, which further harmed my credit. However, when I logged into my Affirm account, I found that several of these same accounts were labeled as Paid Off, including accounts that were not fully paid by me.

This contradiction between Affirms internal platform and what is reported to XXXX  is misleading and likely violates the Fair Credit Reporting Act ( FCRA ). It creates the false impression that the accounts were resolved while still reporting negative information that damages my credit history. 

I am requesting the full deletion of all Affirm accounts on my credit report that show these types of inconsistencies, as well as an investigation into how XXXX  conducted its dispute review. 

I have attached : - Screenshots from Affirm showing Paid Off statuses, - My Affirm balance overview, - The official results from my disputes with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
This is a formal and urgent complaint that demands your immediate attention. My credit report contains inaccurate information that clearly violates the standard of maximum possible accuracy required under federal law. These errors are causing significant and ongoing harm to my personal and financial well-being.

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 2025-06-17 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: CA

Complaint narrative:
I am following up again about a fraudulent item that still appears on my credit report. Despite my repeated efforts to resolve this, I continue to deal with this unauthorized entry, which is both frustrating and alarming. My personal information on the report is also incorrect, and I believe this is contributing to the issue. I have been a victim of identity theft, and my information was used without my knowledge or consent. As instructed by Experian, I filed an FTC Identity Theft Report and submitted it along with supporting documents, yet this false account is still showing.

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 2025-06-16 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: CA

Complaint narrative:
I submitted a formal identity theft dispute to TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ). My submission included : Valid FTC Identity Theft Report Government-issued ID Social Security card Proof of address Despite this, TransUnion failed to block multiple unauthorized hard inquiries and fraudulent personal information within the legally required 4 business days.

Inquiries that must be removed ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total : 6 These were the result of identity theft. I never applied for anything from these entities. 

Fraudulent addresses and employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Employer : Owner Detailing XXXXXXXX XXXX These do not belong to me and were never authorized for reporting. 

Under FCRA 605B ( c ) ( 1 ), TransUnion was required to block this information within 4 business days. Their failure to do so is a direct violation of federal law.

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 2025-06-17 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I've gotten calls from XXXX XXXX XXXX that i am not aware of at all. For {$3700.00} account # XXXX XX/XX/XXXX from a debt buyer. They won't give me d information about the original account setup or dates. 

I've gotten calls from LVNV FUNDING LLC asking to collect {$790.00} from XXXX  XXXX XXXX  from XX/XX/XXXX account # XXXX I did not authorize and have no knowledge of this account and how it's un my name, I called them and they can't give me information on the account or dates account was setup. 

I am not aware of XXXX XXXX  XXXX  charged off on XX/XX/XXXX account # XXXX for the amount of {$1000.00}. I asked for information on original account holder and dates. I did get this information from the debt collector, it was not the original debt collector. 

I am not aware of XXXX  XXXX  XXXX  opening an account in my name closed on XX/XX/XXXX account # no provided. 

I see a closed account that I'd charged off on my account from XXXX XXXX XXXX, for {$500.00} account # XXXX closed on XX/XX/XXXX charged off for the amount of {$360.00} written off. I called to get more information and can't give I information on the account and accurate dates. 

Ther are 12 hard inquiries on my credit report I did not authorize, that have not been removed from my credit I have no knowledge of or how they appeared in my credit report. I did not run my credit at anytime for theses different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I've gotten calls from XXXX XXXX XXXX that i am not aware of at all. For {$3700.00} account # XXXX XX/XX/XXXX from a debt buyer. They won't give me d information about the original account setup or dates. 

I've gotten calls from XXXX XXXX XXXX asking to collect {$790.00} from XXXX  XXXX XXXX  from XX/XX/XXXX account # XXXX I did not authorize and have no knowledge of this account and how it's un my name, I called them and they can't give me information on the account or dates account was setup. 

I am not aware of citi cards cbna charged off on XX/XX/XXXX account # XXXX for the amount of {$1000.00}. I asked for information on original account holder and dates. I did get this information from the debt collector, it was not the original debt collector. 

I am not aware of XXXX  XXXX  XXXX  opening an account in my name closed on XX/XX/XXXX account # no provided. 

I see a closed account that I'd charged off on my account from XXXX XXXX XXXX, for {$500.00} account # XXXX closed on XX/XX/XXXX charged off for the amount of {$360.00} written off. I called to get more information and can't give I information on the account and accurate dates. 

Ther are 12 hard inquiries on my credit report I did not authorize, that have not been removed from my credit I have no knowledge of or how they appeared in my credit report. I did not run my credit at anytime for theses different companies

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 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
My name is XXXX XXXX XXXX and I have filed a complaint against Title Max in XXXX Kansas on XXXX XXXX. 
XX/XX/XXXX I wanted to begin the process of a complaint. 
I had no other choice but to get a loan to pay XXXX the power company who had disconnected my service and took me off their avg pay and then demanded I pay the total accrued immediately in order to turn on power. 
on XX/XX/XXXX I received a deposit of {$700.00} from Title Max Of Kansas XXXX XXXX XXXX XXXX XXXX XXXX Ks XXXX at an APR XXXX XXXX which I didn't even see cause I was more worried about getting my power on. 
I have had financial struggles since then. I am on XXXX XXXX but been working to get work with the help of XXXX to Work- constant rejections in XXXX XXXX It has been a XXXX XXXX with XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and my rent through XXXX owners. All have gone up in rates, fees, etc... I would get thrown off one avg plan and have to pay full, pay it, then, another would throw me off. Going since XX/XX/XXXX. For Title Max, I had just fought through a eviction order and then 2 days following, XXXX cut my power again. I was late for Title Max and calling their corporate they were positioning to reposs my car. The rep on the phone gave me an ultimatium to pay {$260.00} by XXXX and Kansas gives right to immediate reposs. I went into this branch, and have worked with the 2 ladies all the time. It was 2 new ladies, the other 2 had been immediately fired. No details. I have to pay cash because my debit card won't work in their systems. I paid {$280.00} on XX/XX/XXXX and I have the receipt. I noticed that {$210.00} went to Interest. i was told that I had paid close to all my interest several months ago.XXXX, I am late with this month 's payment XX/XX/XXXX {$110.00} but I will do XXXX XXXX deliveries and will submit daily. But I am going to request a print out of all transaction detail. I received a statement in the mail today showing that my mimimum payment due is {$390.00} and there is not a sign of my {$280.00} payment. and my new balance ( without that {$280.00} ) is {$890.00}. I do not see where I will ever get this paid off. It is a forever interest loan that I did not know even existed. I have the receipt that I paid the {$280.00} and with hopes I get this print out .... does the CFPB assist with helping me to audit the account, or do I need to find an auditor to do this professionally?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I have never opened, managed, or approved these accounts in any capacity. Their presence on my credit report is completely unacceptable and represents false, misleading, and damaging information about my financial history. 
I take the integrity of my credit profile seriously, and the appearance of these unauthorized accounts is deeply concerning. I demand an immediate investigation into how and why these accounts are being reported, and who is responsible for submitting this inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by TransUnion for XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reported twice ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX, MI XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER FDCPA AND FCRA Accounts in Dispute : Midland Credit Acct XXXX XXXX {$870.00} Midland Credit Acct XXXX XXXX {$1200.00} To Whom It May Concern, This letter serves as a formal dispute and demand for immediate validation of the above-referenced accounts, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) and Fair Credit Reporting Act ( 15 USC 1681s-2 ). 

I am demanding that your office provide the following documentation within 15 days of receipt of this letter : A copy of the original contract or agreement bearing my full legal name and wet signature showing I agreed to this alleged debt. 
A complete and itemized account history showing how the alleged balances of {$870.00} and {$1200.00} were calculated. 
The chain of title and legal assignment from the original creditor proving that you have the lawful right to collect on this account. 
A sworn affidavit from the original creditor confirming the debt is accurate, verified, and complete. 
Proof of your licensing and authority to collect debts in the State of Illinois.

Until full and complete validation is provided, you must : Cease all collection activities Report these accounts as Disputed to all credit bureaus immediately Refrain from re-selling or transferring this debt Be advised : Any attempt to collect or report this debt without proper documentation is a direct violation of : FDCPA 807 ( 15 USC 1692e ) False, deceptive, or misleading practices FDCPA 809 ( 15 USC 1692g ) Failure to validate the debt FCRA ( 15 USC 1681s-2 ) Reporting inaccurate or unverifiable information Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and the Illinois Attorney Generals Office. Legal action may also be pursued for statutory damages under federal law. 

You are on notice. Govern yourselves accordingly. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief