vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-07-29 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 am writing to bring to your attention an account that has been falsely attributed to me on my credit report. I am not the owner of this account, have never made any transactions with the reporting entity, and suspect this may be a case of erroneous reporting or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a payment issue of my FHA Trial Period Plan due to a payment that was scheduled and processed in error by a Mr. Cooper representative.

On or around XX/XX/year>, a payment of {$3300.00} was drafted from my account. This payment was originally scheduled by your agent and was intended to address my XXXX delinquency, not to be counted as a trial payment. I had not yet signed or agreed to the Trial Plan at that time. 

Despite this, your system applied the payment to the XXXX XXXX, triggering an early and overpayment violation which was entirely out of my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My Bank of America credit card account was transferred to XXXX XXXX XXXX for collections. I reached a full settlement with XXXX XXXX XXXX on XX/XX/XXXX, and I have the formal settlement letter confirming the account has been resolved. I have paid off all my settlement amount on XX/XX/XXXX. 

Despite this, Bank of America continues to report an outstanding balance of {$16000.00} to the credit bureaus. I have contacted both Bank of America and XXXX XXXX XXXX XXXX XXXX over the past several weeks requesting that the account be updated to reflect a {$0.00} balance. Bank of America stated the account would be recalled and the update will be made yet, no correction has occurred to date. 

Meanwhile, XXXX XXXX XXXX has not provided any transparency or confirmation that they informed Bank of America of the resolved status. Ive made repeated calls with no resolution or accountability. It is unclear whether Bank of America is ignoring the settlement notice, or whether XXXX XXXX XXXX failed to notify them neither party has taken ownership. 

This back-and-forth has left me, the consumer, without any clear resolution or truthful information. There is a complete lack of transparency between the two companies, and the inaccurate reporting has caused my credit score to drop significantly. I fulfilled my financial obligation in good faith and now face long-term damage to my credit profile due to errors beyond my control.

I am formally requesting that : Bank of America immediately update my account with all major credit bureaus ( XXXX XXXX XXXX XXXX  ) to reflect a {$0.00} balance and " settled '' status.

An investigation be conducted into the communication and reporting process between Bank of America and XXXX XXXX XXXX. 

I be provided with a written explanation and resolution timeline from both entities. 

This situation has already gone on far too long, and I am seeking CFPB support to ensure it is corrected promptly and permanently.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list below have violated my legally protected consumer light and privacy and concordance under 15 U.S.C. 1681 The agreements described below validate my claims : 15 U.S.C 1681 Section 602 Establishes I have the right to privacy.

15 U.S.C. 1681 Section 004 A Section 2 It about states consumer report agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may make a consumer report containing any following items of information : Any other information, than other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
in XX/XX/year>, I was made aware that my credit report had been compromised and several fraudulent accounts that were not open by me has impeded my credit report. The fraudulent accounts are XXXX XXXX {$0.00}, XXXX XXXX {$490.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX {$330.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX {$7500.00}, XXXX {$8300.00}, XXXX {$4600.00}, XXXX XXXX XXXX {$13.00}, XXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX {$4700.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$6400.00}, XXXX XXXX XXXX {$4500.00}, XXXX XXXX XXXX {$4200.00}, XXXX XXXX XXXX {$490.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I am disputing XXXX separate accounts listed on all three of my credit reports ( XXXX XXXX XXXX XXXX ) that were opened under my name by Affirm. Affirm is listed as both the original creditor and the furnisher/collection agency. All three accounts are fraudulent I did not apply for, authorize, open, or use these accounts, and I had no knowledge of them until reviewing my credit reports. 

Upon discovering the fraudulent activity, I submitted formal identity theft disputes with all three credit bureaus. I clearly stated that these accounts were opened without my knowledge or consent. However, the accounts are still being reported as valid and affirmed by Affirm, and no bureau has removed the accounts or provided any documentation verifying their legitimacy. 
To date, Affirm has not provided any evidence to support their claim that these accounts are valid. Specifically, I have not received : A signed loan application or agreement with my signature Any proof that Affirm verified my identity at the time of account opening Records showing that I authorized, benefited from, or used the accounts in question Any electronic signature evidence, including IP address, device/browser info, or identity confirmation These accounts are clearly the result of identity theft or misattribution. Affirms continued furnishing of these unverifiable accounts, and the credit bureaus failure to act, are in direct violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation after receiving a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
This is a formal request to investigate and remove unauthorized hard inquiries from my credit file. These inquiries were made without my consent and have no legitimate basis.

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX from JDbyrider in XXXX XXXX in XX/XX/XXXX. They told me the payments were around XXXX biweekly. I've completed payments on time up until the very beginning of XXXX and fell on hard times because of legal issues. Almost XXXX  years of payments and I still owe close to XXXX on a car that was around XXXX and they also repossessed it, and auctioned it off. I've had to manually block all emails addresses and phone numbers because all they do is harass. Also the car failed numerous times. The transmission went out. I had an extended warranty but they held on to the car over a month. Before they repossessed it, the transmission was STILL failing and they somehow sold it to someone like that. Purchasing this car was the absolute worst decision of my life and JDbyrider need to be held accountable. They no longer operate here in XXXX XXXX  for some strange reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint to raise broader concerns about merchant accountability, consumer transparency, and Synchronys failure to provide basic merchant contact or transaction-level transparency for certain purchases made using their PayPal Credit product. 

In contrast to other card issuers ( such as XXXX or XXXX ), Synchrony provides little to no structured disclosure of merchant identity, contact information, or mechanisms for redress when a merchant fails to deliver as promised. In my case, this lack of transparency made it difficult to exercise my rights under the Fair Credit Billing Act and has prevented me from obtaining a meaningful resolution for over a year.

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 2025-07-29 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am refiling this formal complaint regarding the inaccurate and unverifiable reporting of the LVNV FUNDING LLC account on my credit report. Despite prior disputes, this tradeline continues to be reported without proper verification or supporting documentation. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611, and 623 to ensure that all information reported is accurate, complete, and verified through a reasonable investigation, which has not been conducted in this case. 

The account associated with LVNV FUNDING LLC, originally from XXXXXXXX XXXX XXXX XXXXXXXX, is being reported as a collection account with an outstanding balance. However, no documentation has been provided to validate LVNV FUNDING LLCs ownership of the alleged debt, nor has there been any verification of their legal right to collect. Reporting a debt without validating ownership or providing evidence of assignment constitutes a violation of FCRA Section 623 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) Section 1692g. The lack of a signed agreement, proof of assignment, or validation notice renders this account unverifiable, incomplete, and inaccurate. 

Under FCRA Section 611 ( a ) ( 5 ), I am demanding the immediate deletion of this account from my credit report due to its unverifiable nature. Should you choose to verify this entry, you are required to provide a detailed reinvestigation report, including the source of verification, documentation proving LVNV FUNDING LLCs ownership of the debt, a copy of the signed agreement from the original creditor, and a full account history, as mandated under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). Failure to comply will compel me to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies for willful non-compliance under FCRA Section 616.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-28 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:
After I sent letter to XXXX XXXX regarding Account # XXXX, I also disputed the account XXXX XXXX account # XXXX with Experian in XXXX Case # XXXX with the appropriate documents, Experian recently mailed me an updated Credit Report showing the item remained unchanged from their processing my dispute in XX/XX/year>, Also XXXX XXXX requested from me on their XXXX Letter XX/XX/year>, to send them the Copy of the Police Report # XXXX, the FTC report XXXX XXXX and also I sent the the Victim Fraud Affidavit sign and notarized {$280.00} charges and a copy of the Notice to Furnishers & Copy of the 605B of the FCRA certified mail Tracking # 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was charge the renewal of membership fee of {$95.00} for ( XX/XX/XXXX to XXXX ) on my XXXX month statement, I called XX/XX/XXXX XXXX, spoke to XXXX and again XX/XX/XXXX XXXX to XXXX, I request to cancel and close my card before it's renewal date if I need to pay the renewal fee. I was told that my 1st request was closed due to not enough information!, for the 2nd request, I did got a reply on the same day but they ask me to pay the balance of the card which is the renewal fee of {$95.00} before I can cancel and close my card!

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 monetary relief
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am writing to dispute an account listed on my credit report that I believe was fraudulently opened while I was still a minor. As such, I could not have legally entered into any contractual financial agreement.

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 2025-07-28 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:
Upon reviewing my credit report, I identified multiple hard inquiries that I never approved or initiated. These entries are inaccurate and damaging to my credit standing.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are several inaccuracies in the personal information section of my credit report, including outdated addresses that no longer apply to me. I have provided supporting documents for your review and request that these incorrect addresses be removed from my report without delay.

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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased {$41.00} worth of clothing from where I believed was XXXX XXXX however it turned out to be a different website ( Fraud ) I waited XXXX weeks to receive my package and it never came. I reached out to the seller and got no response on XXXX occasions. I reached out to Cash App to file a dispute XXXX time and all three disputes were denied. My original transaction was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my information was leaked in multiple data breaches and im seeing fraudulent accounts on two of my credit reports.

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