vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
A loan account was fraudulently opened in my name with Affirm in XX/XX/year>. I did not apply for or authorize this loan, nor did I receive any goods or services connected to it. I later saw an email stating the loan was approved, but I never initiated or approved the transaction. Three transactions of {$22.00} were withdrawn from my checking account in XXXX, XXXX, and XXXX before I discovered the issue and turned off the autopay option to stop further charges. 

I contacted Affirm multiple times by phone and through chat to dispute the account. Each time, I was told the matter was being escalated to their fraud department for review and that the investigation would take 30 days. However, within a few days I would receive an email stating I was solely responsible for the loan. 

I also asked Affirm to provide documentation showing I applied for or authorized the loan ( including a signed agreement ), as well as delivery details such as the shipping address and the name of the merchant, IP address information, and account activity logs. Affirm did not provide this information. 

This debt is the result of identity theft. I am filing this complaint to have the fraudulent account removed, to stop all collection activity, and to receive a refund of the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Hi, I am writing to request a correction to my personal information on my credit report, as it is currently inaccurate and has been causing issues with my credit applications, which has been extremely frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Collection Attorneys USA LLC
State: CA

Complaint narrative:
The company Collections Attorney USA LLC called me saying theres a claim against me and that I can avoid going to court and paying fees if I paid the debt I owe. I explained I have no source of income at the moment only my social security benefits and we scheduled a payment arrangement so I can avoid going to court. Unfortunately I have a XXXX and I forgot about the payment arrangement and the last payment due I couldnt pay so when i attempted to call to see if I can have a little more time to pay they said I can take it up with the court and hung up on me because I didnt remember what I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Got a call from XXXX which I believe is a fraud number telling me to confirm and call back credit card application at XXXX and had to use reference number they provided me. Fell for it and gave information, ended the call before it was complete because looking up the number online said it was a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected

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 2025-09-04 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: GA

Complaint narrative:
Unauthorized and Unverified accounts on my XXXX 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Glacier Bancorp Inc.
State: CO

Complaint narrative:
A wire transfer was initiated Friday XX/XX/XXXX. Bank of the San Juans manager in XXXX, XXXX, called & said the name didnt match the account the wire was going to, so they were refusing the transfer & the money would be returned. Monday was a holiday, so we expected Tuesday to hear that the money had been returned to the title company. Its now Thursday & the money still hasnt been returned to the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Ill. Fiduciary Breach & Fraud By attempting to collect this alleged debt, you are acting as a fiduciary and are bound to operate in utmost good faith. Any misrepresentation, double-dipping, or failure to disclose IRS reporting onstitutes a breach of fiduciary duty and potential fraud. Continued collection efforts without full validation will be reported to the IRS, FTC, CFPB, and State Attorney General for violations of federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CT

Complaint narrative:
This morning, I noticed an inaccurate account still listed on my credit report, and I can not figure out why it remains there. I refreshed my browser multiple times, hoping it was some kind of error, but the account is still present. I am extremely frustrated and want the documents I provided to be examined closely so this matter can be corrected right away.

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 2025-09-04 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: FL

Complaint narrative:
I am a victim of identity theft and pursuant to FCRA 605b 615 ( f ) and 6023 ( a ) ( 6 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft such accounts or addresses from appearing on victim 's credit profile. It will also make it sure that these debts do not reappear on victim 's credit report. Identity theft report can prevent a company from continuing from collect debts that result from identity theft. A copy of these sections is enclosed and pursuant to 605b FCRA ( 15U.S.C. and 1681c -2 ) Block Information Resulting from identity Theft, except as provided in this section.

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 2025-09-04 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for False Late Payment Reporting Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian Information Solutions , Inc. for inaccurately reporting late payments on my XXXX XXXX auto loan and mislabeling my credit file with bad payment history and recent missed payment. My Experian credit report dated XX/XX/year>, shows XXXX XXXX lates ( XXXX, XXXX, and XX/XX/year> ) even though my payment records and XXXXXXXX XXXX own transcript confirm on-time payments. Additionally, Experians score analysis contradicts itself by stating I have no serious delinquencies while simultaneously penalizing me for late payments that never occurred. 

These inaccuracies violate the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to reasonably reinvestigate disputes ), and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ). As a result, my credit score has been unfairly lowered, damaging my ability to obtain credit on fair terms.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: WA

Complaint narrative:
Consistent and relative calls and texts to me and family members, revealing my debt. Unknown how they found family members that I am barely in contact with but so far, I have had four different family members tell me about this.

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Company : PHH Mortgage Services I am a borrower with an FHA-insured mortgage. My application for a loan modification was denied by PHH Mortgage Services due to repeated errors and mishandling by the servicer and its representatives. I believe this denial violates FHA loss mitigation requirements and RESPA error resolution protections.

* * Details of the Issue : * * I submitted loan modification documents four separate times.

The first submission was denied because PHH stated e-signatures were not acceptable ( despite the fact that co-borrowers were in different states ).

After physically signing documents, I was told they were denied because they arrived from two different states instead of being in one envelope.

When a notary provided by PHH notarized the documents, the package was later denied due to a missing notary signature and a middle name discrepancy. This error was the fault of PHHs notary, not mine.

I then hired a private notary, corrected all documents, and overnighted them together in one envelope. However, PHH denied my application for missing the deadline.

Before the deadline, I specifically informed my PHH relationship manager that their notary was withholding original documents and preventing me from mailing them together. I was reassured that this would not cause a problem. Calls are recorded and should confirm this. Despite that assurance, I received a denial letter the next day.

Why I believe This Is a Violation : HUD Handbook 4000.1, Section III.A.2.k requires servicers to evaluate FHA borrowers for all available loss mitigation options, including at least one permanent home retention option, before foreclosure. 
* * * Mortgagee Letter 2021-18 * * reaffirmed that FHA borrowers must be provided at least one permanent modification if eligible.

* Under * * RESPA ( 12 CFR 1024.35 ) * *, PHH is required to correct errors related to the servicing of a mortgage loan, including mishandling loss mitigation applications.

I am being penalized for errors and delays caused entirely by PHH and its notary, which is not consistent with FHA or RESPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We have been Wells Fargo customers for 36 years. We recently had a very negative experience with the bank that included various representatives sharing information that was in direct conflict with what their counterparts had shared. 

My issue are : 1 ) Wells Fargo would not allow me to process information on a joint account - even after my wife also went through the verification and specifically requested that I complete the call.

2 ) Wells Fargo claimed that there was an issue and to renew my request I would need to call in again and stay in the queue until I got a new representative. At this point, I had been on the call for 45 minutes. I asked to be transferred directly to a rep since I was already through the queue and verification and was told their system did not allow for that - I had to start all over again.

Interestingly, a separate supervisor called us back after the call had ended and I told him I wasn't going through the queue again and he said it was no problem to transfer me directly to a representative. ( This " change '' occurred after I had made it known I wished to file a complaint. ) It made me suspect that Wells Fargo used the " go through it all again '' to reduce people following through on issues.

3 ) I received an email in the next day or so from Wells Fargo stating my case worker and to let them know if I had questions. I replied to that email with specific questions on XX/XX/XXXX. 

4 ) Wells Fargo said they would reply by XX/XX/XXXX. I then received a follow up email saying they needed more time and would reply by XX/XX/XXXX. 


I am seeking information as to why a spouse can not access information on a joint account, especially after the other account holder has verified their information and requested that she not be required to navigate the process. We also would like to know whether or not Wells Fargo makes it a practice for an unresolved issue to " start all over again '' in the process. 

I'm also curious as to why it takes over 40 days to get answers to these simple questions. The fraud claim was settled quickly and easily but Wells fargo evidently does not have the same desire/initiative to answer regarding their processes or lack thereof.

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