vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am disputing the following accounts and inquiries appearing on my Experian credit report. These items are incorrect and require reinvestigation under the FCRA. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
1. Credit Collection Services Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Date : XX/XX/year> Credit Collection Services Attn : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the debt referenced above and requesting full verification.

Please provide : 1. Proof that the alleged debt belongs to me ; 2. The name and address of the original creditor ; 3. A complete itemization of the amount ; 4. A copy of the original agreement bearing my signature ; 5. Proof that your agency has the legal right to collect this debt. 

Until this information is provided, you must cease all collection activity and reporting to any credit bureau. Failure to validate requires removal of this account from all credit reports. 

Sincerely, XXXX XXXX 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 2025-11-26 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:
The following accounts contain inaccuracies or outdated information. I respectfully request that these accounts be investigated and corrected or removed immediately if they can not be verified. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} Inquiries : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-26 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 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 ] Account Number : [ 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 2025-11-26 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
Myself and my other representatives have repeatedly asked for the payoff amount on my loan. And they are refusing to give the payoff amount. I have emailed them through their email that was provided and representatives from their company have called stating that they have got the request an attempted to get me to refinance with them but to actually give me the payoff they have not. 
On XX/XX/year> time stamped was XXXX XXXX  my representative. Sent an email with authorization form requesting a pay payoff amount. 
XXXX XXXX. There was an email from my representative sent. 

From me and my email on file with that company XX/XX/year> at XXXX time stamp I also sent an email requesting my payoff again. I had a representative from the bank call and try to get me to refinance so they have gotten my request. They are just refusing to give it to me. 
Speaking on the phone with them today, XX/XX/XXXX they started out saying they had not received any request or that it was not timestamp when I stated above there is time stamps all Im asking for is my payoff amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have been charged 4 insufficient funds fees by Self Credit Builder that are not owed. I reached out to customer to further discuss the issue and receive clarification on these fees. The dates they gave me which were firstly stated to be XX/XX/year> ( fee waived ) XX/XX/year> and XX/XX/year> to justify the 4 insufficient funds fees, but add up to 2 insufficient funds fees. They are attempting to charge me {$60.00} in insufficient funds fees that I DO NOT owe. Additionally, they are trying to charge me for XXXX fees due to a manual payment on the same payment I owed XX/XX/year>. So they attempted to charge fees twice on one payment. The math is not adding up and they did not state that I would be charged fees twice nor did they provide any information that would justify it. Customer service was no help and provided incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because Affirm is holding me responsible for a loan on a CANCELED purchase ( XXXX XXXX XXXX XXXX  and is refusing to process a dispute due to the 120-day limit. 

Loan ID : XXXX Merchant : XXXX by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : The hotel booking was CANCELED. I was told by the XXXX customer service agent that the hotel ( XXXX XXXX XXXXXXXX ) processes the refunds for this booking. However, the hotel is now refusing to provide the required Refund Transaction ID, stating they will only communicate with XXXX. 

Affirm 's Refusal : Affirm 's online dispute system denied my formal request to dispute the charge due to the 120-day cutoff.

I have exhausted all avenues of contact with the merchant and their agent. I am filing this complaint to compel Affirm to initiate the merchant verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 non-monetary relief
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am requesting CFPB assistance because TransUnion is reporting accounts and late payments that I believe contain inaccurate or unverifiable information. I request a reinvestigation under the FCRA. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX Acct XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX I Acct : XXXX Opened : XX/XX/XXXX Balance : {$19000.00} These accounts appear inconsistent with other bureaus or do not match the correct timeline. I request full validation from the furnishers.

Inquiries TransUnion currently shows no inquiries in dispute. 

Late Payments in Dispute Dept of Ed/XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX : XXXX Dept of Ed/XXXX XXXX XXXX XXXX Dept of EducationXXXX Acct : XXXX Dept of EducationXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXct : XXXX These late payments appear to include outdated, inconsistent, or incorrect reporting. I request validation and correction or deletion of any unverifiable late payment information.

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 2025-11-26 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

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 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & O Recovery Solutions, LLC
State: CT

Complaint narrative:
I have contacted the company multiple times along with the insurance company to verify that this certain debt was covered. The physicians office verified that they would resubmit the bill and have not done so. 
XX/XX/year> spoke to XXXX at XXXX office- she said call insurance co about it XX/XX/year> - spoke to XXXX at insurance company- she said XXXX XXXX XXXX coded it wrong XX/XX/year> - XXXX XXXX XXXX again- they told me they did code it correctly. 
XX/XX/year> - XXXX XXXX XXXX to see what they did - spoke to XXXX. he said they applied it toward the deductable ( that was not supposed to happen ) I told him the correct code and he said they would resubmit it to XXXX. 
XX/XX/year> - Spoke with XXXX XXXX XXXX XXXX and she said they would review it and send it over to insurance. 
XX/XX/year> - Spoke with XXXX XXXX she told me they wont resubmit the bill due to a contract they have with insurance company and that unfortunately I will have to pay the amount even if it is covered by insurance. 
XX/XX/year> - spoke with my insurance company - XXXX XXXX XXXX the claim was submitted with the with non preventative codes but the services rendered are preventative as they were part of a routine physical. 
XX/XX/year> - Spoke with insurance again - XXXX said it was billed under the wrong codes as well and told me to file an appeal.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
Dear Experian, I am submitting this dispute due to the incorrect reporting of the following items on my Experian credit report. These accounts do not match my records and need to be updated or removed. 

Charged Off XXXX XXXX  ( Account # XXXX  ) - Opened on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( Account # XXXX ) - Opened on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( Account # XXXX ) - Opened on XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment : XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXXXXXX ( Account # XXXX XXXX XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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 TILA US Code XXXX 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 ( XXXX ) 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 2025-11-26 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) 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 TILA US Code XXXX 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 ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

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 TILA XXXX 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 ( XXXX ) 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