vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
The XXXX of 490 % appears extremely high and potentially predatory. I am concerned that the lender may be charging interest rates that violate state lending limits or are otherwise abusive and unfair. 

In addition, I have attempted to contact the lender multiple times by email, but I have received no response. My emails requested clarification on the interest charges, a breakdown of the loan, and verification that the terms comply with applicable laws. The lack of communication raises serious concerns about the companys transparency and willingness to address issues in good faith. 

What I Want the Company to Do : Provide a detailed written explanation of how the interest and fees were calculated. 

Reduce the APR to a lawful and reasonable rate. 

Recalculate the loan balance accordingly. 

Confirm there are no undisclosed or improper charges. 

Respond to my previous communication attempts and maintain proper customer support. 

If any portion of the loan violates state or federal lending regulations, correct or void the loan as appropriate. 

Supporting Information : I can provide copies of my emails to the lender, loan documents, payment schedules, and any other materials needed to assist with this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-21 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:
Dear Equifax, I am writing to dispute the following items on my credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX, XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is inaccurately reported as charged off. Please verify the current status and correct any inaccuracies. 

Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX Dispute Reason : I do not recognize this inquiry. Please provide more details or remove it if it was unauthorized. 

XXXX  Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry was unauthorized. Please investigate and remove this entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-21 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Inaccurate Credit Reporting on Paid Mortgage Account Details of Complaint : I am filing this complaint regarding my mortgage account [ insert account number ], which has been fully satisfied and paid in full. Despite the account being closed and reflecting a positive status, the credit reporting continues to show late payment history that does not accurately represent the current status of the account. 
This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies and furnishers of information maintain accurate and complete information. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not provide information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Additionally, under CFPB Mortgage Servicing Rules ( Regulation X, 12 CFR 1024.38 ), servicers are required to maintain policies and procedures to ensure timely and accurate information is provided to borrowers and credit reporting agencies. 
Summary of Issue : The mortgage account shows as paid/satisfied but still reports historical late payments inaccurately. 
This discrepancy negatively impacts my creditworthiness and violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Company is still attempting to connect a debt i do not owe. Debt has been discharged by XXXX, and portfolio. 
XXXX has been disputed and discharged several times now. I have asked this company on numerous times to cease harassment, and have filled complaints already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC XXXX, please remove them within XX/XX/XXXXdays. Attached are the required supporting documents.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because Experian has continuously failed to provide access to THE credit file associated with my identity, despite multiple verified attempts on my part to comply with all identity-verification requirements. 

My credit monitoring service repeatedly displays Experian credit file not found, while XXXX  and XXXX  load normally and reflect current information. Experians data appears frozen at 2023 levels and does not update. Additionally, on Experians own platform, none of the other bureaus ( XXXX  or XXXX  ) appear updated or visible, which further confirms that Experian is not furnishing complete or current data. 

On XXXX, Experian does not provide any of my credit information. XXXX  indicates that Experian is withholding THE credit file entirely, while the other XXXX bureaus report accurate and current data. This clearly demonstrates that the issue is isolated to Experian and not a system-wide reporting error. 

At Experians instruction, I mailed multiple identity-verification packets via certified mail. These packets included my drivers license, Social Security card, birth certificate, utility bill, and my current identifying information. I have proof of delivery for every single mailing. Despite receiving complete documentation multiple times, Experian has not reinstated access to THE credit file. 

Because THE file remains inaccessible, I have been unable to exercise my federally protected rights to : obtain complete file disclosure, review all information maintained about me, verify the accuracy and completeness of that information, and submit disputes and initiate reinvestigations for inaccurate or incomplete data. 

Experians failure to restore access has obstructed my ability to maintain accurate credit records, caused Harm by preventing me from verifying what information is being reported under my identity, and blocked me from disputing any inaccuracies. I have made multiple good-faith efforts to resolve this directly with Experian, and the matter remains unresolved.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Affirm Inc. is reporting an account ( XXXX ) to XXXX  with a {$220.00} charge-off balance. I dispute this information as inaccurate and unverified. 

I requested validation from Affirm, including a signed contract, an itemized balance, proof of ownership/authority, and documentation of the Date of First Delinquency. None of this has been provided. The furnisher has not supplied any evidence supporting the accuracy of the account, yet continues to report it. 

This appears to violate FCRA 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ) and FCRA 623 ( a ) ( 3 ) ( failure to properly investigate a dispute ). Without documentation, the account remains unverified. 

I am requesting that the CFPB require Affirm to validate the account or remove it from all consumer reporting agencies if they can not substantiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXXXXXX 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
Inaccurate Credit Reporting on Paid Mortgage Account Details of Complaint : I am filing this complaint regarding my mortgage account [ insert account number ], which has been fully satisfied and paid in full. Despite the account being closed and reflecting a positive status, the credit reporting continues to show late payment history that does not accurately represent the current status of the account. 
This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies and furnishers of information maintain accurate and complete information. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not provide information that they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

Additionally, under CFPB Mortgage Servicing Rules ( Regulation X, 12 CFR 1024.38 ), servicers are required to maintain policies and procedures to ensure timely and accurate information is provided to borrowers and credit reporting agencies. 
Summary of Issue : The mortgage account shows as paid/satisfied but still reports historical late payments inaccurately. 
This discrepancy negatively impacts my creditworthiness and violates federal consumer protection laws.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the following items on my credit report as listed by the credit bureaus. The details provided below outline the accounts in dispute, which I believe to contain inaccuracies or incomplete information. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/2025, I received a letter from Midland Credit Management , Inc. demanding {$4500.00} for an alleged XXXX XXXX XXXX XXXX account ending in XXXX. The letter threatens attorney review and possible lawsuit if I do not pay by XX/XX/2025. 
I dispute this debt in its entirety and have requested validation under 15 U.S.C. 1692g ( b ). Midland has not provided a signed contract, proof of ownership, or assignment from XXXX showing that they have legal standing to collect. 
The letter uses language implying imminent legal action without verification, which violates the FDCPA. I request that the CFPB review Midland Credit Managements collection practices and require them to stop all collection activity until full and proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I sent a Qualified Written Request Regarding Escrow Account Shortage on XX/XX/year>. It is now XX/XX/year>. I did not receive an acknowledgment that they received the letter so I called and asked which they did receive and told me to write them in email. I sent that on XX/XX/XXXX. Still no response. Now its been the XXXX business days still no response. I was wanting to dispute the shortage amount of {$1600.00} since they did not do my analysis correctly since I am a XXXX XXXX XXXXXXXX veteran and do not pay property taxes. They did not account for the drainage bill that is under taxes which I still have to pay yearly. So now my monthly mortgage amount is increasing due to their failure to account for all variables on their side. Now my family and I are suffering for their mistake.

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