vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX WHOM IT XXXX CONCERN, I HAVE TRIED XXXX SOLVE THIS MATTER WITH THEM XXXX SO FAR I AM GETTING THE RUN AROUND. I WANT XXXX SAVE MY HOUSE I AM NOT GETTING NO WHERE.

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 2025-04-29 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:
In accordance with XXXX U.S.C. XXXX ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Collection account opened at XXXX on XX/XX/year> account number XXXX * Collection account opened at XXXX BANK on XX/XX/year> account number unavailable Collection account opened at INSURANCE SELFREPORTED on account number XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * which is being inconsistently reported among the XXXX credit bureaus.

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 2025-04-29 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment and Reinsertion of Accounts Without Proper Notification Dear XXXX Dispute Department, I am writing to formally dispute the reporting of a late payment for XX/XX/XXXX on the following accounts associated with my credit file : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts have previously been reinserted into my credit report without proper notification, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). This law clearly states that a furnisher or credit bureau must provide written notice within XXXX business days of any reinsertion of previously deleted information. I did not receive any such notification, which infringes upon my rights as a consumer. 

Furthermore, I have attempted to resolve this issue multiple times by contacting your office. However, the average wait time exceeds two hours, which has made it extremely difficult to exercise my right to dispute inaccurate or outdated information. I have made a good-faith effort to address this concern, yet I have received no resolution.

According to the FCRA 15 U.S. Code 1681c, negative information such as late payments are only allowed to remain on a consumers credit report for up to seven years from the date of delinquency. The XX/XX/XXXX late payment and associated accounts listed above now exceed or are approaching the reporting time limit and should be permanently removed from my credit report. They must not be reinserted again under any circumstances. 

In addition, the Metro 2 reporting format used for furnishing data to credit bureaus must be complete, consistent, and in compliance with FCRA and CDIA guidelines. I have identified inconsistencies in the payment history and reporting dates associated with these accounts, which further confirms that the information being reported is inaccurate and should be removed. Incomplete or inconsistent data violates the standard Metro 2 format and fails to meet the legal requirement under 15 U.S. Code 1681s-2 ( b ) that data furnishers must conduct proper investigations and report accurate information. 

Given the legal grounds outlined above, I am requesting the immediate and permanent deletion of the XX/XX/XXXX late payment and all associated accounts listed from my credit file. I also request that you send written confirmation of this removal once completed. These inaccuracies are negatively affecting my credit profile and creating unnecessary barriers to rebuilding my financial standing. 


Thank you for your prompt attention to this urgent 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 2025-04-29 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : SECOND DISPUTE Demand for Deletion of Fraudulent Account Pursuant to 15 USC 1681c-2 ( a ) Dear TransUnion Consumer Solutions , This is my second formal dispute regarding a fraudulent account appearing on my Transunion credit report.

Despite my previous dispute and the submission of valid identity theft documentation, the account remains on file. In your response, you declined to block the information, citing prior payments made on the account.

This justification is not supported under the Fair Credit Reporting Act ( FCRA ). Under Section 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency is required to block the reporting of information resulting from identity theft within four business days upon receiving the following : A copy of a valid government-issued photo ID Proof of current address ( e.g., utility bill or bank statement ) A police report and/or FTC Identity Theft Affidavit A signed written statement affirming that this account is fraudulent and was opened without my knowledge or authorization All of this documentation was previously provided.

I am again requesting the immediate removal and blocking of this account, in accordance with 15 USC 1681c-2 ( a ) ( formerly 605B ) of the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX As required by 15 USC 1681c-2, you must block the reporting of this information within four ( 4 ) business days of receiving the required identity theft documentation. Additionally, under 15 USC 1681i, you are obligated to conduct a reasonable reinvestigation and remove any unverifiable or inaccurate data from my file.

Transunion 's claim that this account was " verified as accurate '' is not acceptable, especially in the context of a documented identity theft case. If this account is not blocked and removed immediately, your agency will be in willful violation of the FCRA, and I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action for damages under federal law.

Please provide written confirmation that the fraudulent account has been blocked and/or deleted from my credit report within 15 days of this letter.

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
What happened : I am filing this complaint because Experian has reinserted an item into my credit file that was previously blocked under FCRA 605B after I properly submitted all required identity theft documentation, including an FTC Identity Theft Report and a police report. 

All necessary documents were submitted during the original dispute and blocking request. 
Experian 's reinsertion notice dated XX/XX/25 claims that the reinsertion was based on " material misrepresentation '' but fails to provide : A written certification from the furnisher affirming accuracy, A clear explanation of the alleged misrepresentation, Proper notice of reinsertion as required by law. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) : FCRA 605B ( c ) ( 1 ) : No reinsertion allowed without written certification from the furnisher.

FCRA 605B ( c ) ( 2 ) : No reinsertion allowed without timely written notice to the consumer detailing the certification and furnisher information.

FCRA 611 ( a ) ( 5 ) ( B ) : No reinsertion of previously disputed information without compliance. 

Experian failed to comply with these legal requirements. Their vague reference to " material misrepresentation '' is legally insufficient, and no proper certification or disclosure was provided. 

This illegal reinsertion has damaged my creditworthiness and caused financial and emotional harm. 
I have attached my formal rebuttal letter, while copies of the FTC Identity Theft Report, police report, and initial submissions are already on file with Experian and the CFPB from the original case.

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 2025-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/XXXX my card lost card was used even though it was locked in the app. It was charged XXXX different times at XXXX different stores all for the same price and at the same exact time. These charges was also made in a different state XXXX XXXX XXXX XXXX XXXX XXXX  If the investigation was done properly they would of seen i was not in XXXX  because of the charges made to my debit card in XXXX  on the same exact day XX/XX/XXXX. I contacted the merchant via phone call text XXXX face book i also filed a police report and all of this was provided to the company. XXXX of the transactions was won but the rest was lost how could that be possible if the ones won where from the same store as the one lost. Again how could the charges not be in error if they were all done at the same exact time in XXXX different stores how can that be possible. I reached out to current for documentation and a written explanation of the disputes was lost and told them i want an appeal and im yet to get a answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Subject : Ongoing Issue with Affirm and XXXX XXXX XXXX XXXX  Not Rendered and Request for XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this complaint because my issue with Affirm and the XXXX XXXX XXXX program remains unresolved despite multiple attempts to reach a resolution. 
In XXXX I enrolled in an XXXX XXXX XXXX  called XXXX XXXX XXXX, financed through Affirm at a cost of approximately {$5800.00}. From the beginning, the program failed to deliver the promised support. The individual assigned to assist me was consistently unavailable, and the level of guidance provided was minimal and insufficient. 
As a result, I informed the XXXX XXXX XXXX XXXXeam that I had chosen to pursue a different program that was far more effective, and requested to withdraw from their program. My request was denied. 
Months later, after making several payments for services that were never rendered, I stopped payments. Affirm responded by threatening to report my account as delinquent to credit bureaus. I explained to Affirm that the services were not delivered as promised. Affirm then advised that the only way to resolve the issue would be for XXXX XXXX XXXX to issue a refund directly to Affirm. 
Unfortunately, the XXXX XXXX XXXX team has become completely unresponsive. They have deleted previous communications Ive sent, and more recently, they deleted all of my accounts and access to the programmaking it impossible for me to engage with or recover services even if I wanted to. 
I have also requested from Affirm a copy of the transcript or audio recording from a call I had with their customer service on Saturday, XX/XX/XXXX, which began at XXXXXXXX XXXX and lasted 21 minutes. I need this information to support my case in this complaint, and for any potential filing with the FTC or legal action I may pursue. As of today, I have received no confirmation or update regarding this request, despite following up multiple times via the Affirm communications platform. 
I find this lack of response particularly troubling. The failure to provide documentation I am legally entitled tocombined with continued credit reportingis, in my view, malicious. I have done everything I can to resolve this matter in good faith. I also have copies of all written communication with Affirm, though accessing them through their system has been difficult. 
I am requesting the CFPB to investigate this matter, assist in obtaining the requested call transcript or recording, and hold Affirm accountable for its handling of my case and continued reporting to credit bureaus for a debt associated with undelivered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is not my account. I asked for proof of this being my account XXXX they sent no proof. Nothing signed by me, no photo id etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Was having issues getting my mortgage paid, contacted PHH and asked them if I could pay every XXXX weeks, they said their system wasn't set up to do that but i could send payments through XXXX. I have been paying my mortgage every XXXX weeks starting in XX/XX/XXXX ( furthest the records for XXXX goes ) for {$350.00} and then in XXXX of XXXX was paying XXXX every XXXX weeks until present day. 
In XXXX of XXXX... started receiving emails stating that my payment is past due... was confused since I technically should be ahead on payments paying every XXXX weeks. I opted for paperless billing so I wasn't getting it in the mail any longer, but didn't feel the need to track online since i was paying every XXXX weeks on time, without fail. 
I finally contacted them and had XXXX issues, XXXX was they still haven't changed my last name since I got married 8 years ago, even after sending them my marriage certificate by mail twice ... XXXX they haven't been applying my payments when they got them, they were holding them because they lady ( XXXX ) told me that they don't accept partial payments, therefore they were holding payments until it made a full payment but it still doesn't make sense why they would be late. 
Still also trying to find out how long they have been charging a late fee of {$30.00} to my account but their site is hard to navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an unauthorized and inaccurate hard inquiry listed on my credit report. I am requesting that immediate action be taken to investigate and remove this inquiry, as it is unjustified and negatively impacting my credit score and financial well-being. 

Equifax- XXXX XXXXXXXX XXXX XX/XX/year>2024 Experian- XXXX XXXX XXXXXX/XX/scrub>/2024 XXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/2024 XXXXXXXX XXXX XXXX  XX/XX/scrub>/2024 TransUnion XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Medical debt should not be reporting on my credit. I request it to be removed and it wasn't. 

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 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 2025-04-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Medical debt should not be reporting on my credit. I request it to be removed and it wasn't. 

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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
My name is XXXX XXXX XXXX, and Im writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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