vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. Thank you. I will await your reply

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
XXXX report 90-day late payment. This is a violation of Metro 2 reporting standards, which require that late payments be aged properly ( 30 60 90 ). A sudden jump from current to 90 days late is inaccurate and misleading. 

Account show on XXXX and XX/XX/year> but 90 days late in XX/XX/year>. 

This is for student loan for that of {$980.00} and {$1100.00}

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 2025-07-27 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: TX

Complaint narrative:
XXXX report 90-day late payment. This is a violation of Metro 2 reporting standards, which require that late payments be aged properly ( 30 60 90 ). A sudden jump from current to 90 days late is inaccurate and misleading. 

Account show on XXXX and XX/XX/year> but 90 days late in XX/XX/year>. 

This is for student loan for that of {$980.00} and {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: PA

Complaint narrative:
Experian is falsely and inaccurately reporting addresses that do not belong to me. THEY DO NOT INVESTIGATE AT all!!!!!! 

I respectfully ask the CFPB to get them to actually investigate this and provide documentation of their results and how they found this information Once the CFPB discovers the falsehood behind these reporting, please hold Experian accountable and FINE them for severely damaging my credit score with inaccurate information. 

I only live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.... attaching actual PROOF from another credit agency 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 2025-07-27 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: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute and request a thorough investigation into multiple inaccurate, unfair, and outdated negative items currently being reported on my credit file. These items are having a severe impact on my creditworthiness and overall financial stability. Despite my good faith efforts to resolve these issues directly with the credit bureaus and furnishers, the following accounts remain inaccurately reported. These actions are in direct violation of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I now request CFPBs support in holding the involved parties accountable and correcting these harmful errors. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - ADDRESS Issue : This address is inaccurately reported on my credit report and does not belong to me Law : Under the Fair Credit Reporting Act ( FCRA ) Section 602 A, consumers are guaranteed accurate, verifiable, and complete information on their credit file. Reporting an address I have never lived at is a direct violation of this right Story : I have never lived at this address and have no connection to it. Including this on my credit report is misleading and could result in misidentification or mixed file issues. I am requesting the immediate deletion of this address from my credit report pursuant to the FCRA XXXX XXXX XXXX, CA XXXX - ADDRESS Issue : This address is not mine and is wrongly linked to my credit profile Law : The FCRA Section 611 mandates credit bureaus to conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Since this address is not associated with me, it should be removed as per the law Story : I have never resided in California and this address being listed on my report is entirely inaccurate. It may have been mistakenly merged from another individual 's file. I urge you to remove this address immediately and prevent further damage to my credit identity These inaccurate, unverifiable, and damaging items are causing unnecessary distress and financial consequences. I respectfully urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and conduct a full investigation into the reporting practices related to the above accounts. I request that the CFPB ensure the credit bureaus and data furnishers comply with federal law and either verify the accuracy of these items with full documentation or delete them from my credit report immediately. Thank you for your attention and swift action in helping restore the fairness and accuracy of my credit 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 explanation
Consumer complaint received 2025-07-27 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 submitted certified mail disputes to Equifax in XX/XX/year> regarding inaccurate tradelines, including charge-offs and account status errors tied to XXXX XXXX and other accounts. Equifax failed to properly investigate or respond. 

I was also impacted by a verified XXXX  data breach, which further compromised the accuracy of my credit file. Despite ongoing attempts to resolve the issue, inaccurate account statuses remain including closed accounts showing as charged-off and delinquent even after payments. 

These errors have led to denials of both personal and business funding, increased interest rates, and damage to my Equifax Business Score ( currently XXXX ), which is cross-referenced by lenders. I have attached certified dispute proof, screenshots, and a supporting memo. 

This is a formal complaint under FCRA Sections 611, 609, and 623. I am requesting immediate correction and deletion of inaccurate tradelines. XXXX also submitted a prior enforcement payout letter issued to me by the CFPB XXXX XX/XX/year> relating to a XXXX XXXX action, showing I had already been compensated as a harmed consumer. Equifax still ignored my complaints despite this federal-level context and refused to take appropriate corrective action. On XX/XX/year>, I received a denial letter from XXXX and XXXX XXXX XXXX due to " unable to verify identity. '' This is a direct consequence of the ongoing data inaccuracies and dispute failures on my credit reports. This denial further illustrates the economic harm and shows how these reporting errors continue to block me from securing funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MD

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first!

The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer 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 2025-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contesting the recent inquiry from XXXX XXXX XXXX XXXX dated XX/XX//2025. I do not recognize this lender, nor did I authorize any hard inquiry on my credit report from them. Therefore, I request that this inquiry be removed from my credit 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 explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am contesting the recent inquiry from XXXX XXXX XXXX XXXX dated XX/XX//2025. I do not recognize this lender, nor did I authorize any hard inquiry on my credit report from them. Therefore, I request that this inquiry be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed XXXX XXXX XXXX is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence and provide XXXX XXXX privacy notices proving my consent, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-27 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: GA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. 

The listed XXXX XXXX XXXX is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence and provide XXXX XXXX privacy notices proving my consent, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I made a real-time transfer from XXXXXXXX XXXX to T.D. Bank in the amount of {$200.00} using the XXXX XXXX XXXX '' ( XXXX  ) network. The transfer was successful and was immediately credited to my T.D. Bank account. Two minutes later, I made another XXXX XXXX from XXXX to T.D. Bank in the amount of {$100.00}. The transfer is showing as successful in my XXXX XXXX  account but it has not shown up yet in my TD Bank account, and it's been two days.

I contacted TD Bank, and they said it may take 3-5 days. This is not how XXXX  work. XXXX XXXX using the XXXX XXXX  take seconds, according to The Clearing House and XXXXXXXX XXXX XXXX 

Please assist with addressing the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Lost Lake Finance, LLC
State: OK

Complaint narrative:
PathwayCredit was charging 110.89 % and all of my other loans have extremelymhigh annual percentage rates. 

Loans : XX/XX/XXXX in the amount of {$640.00}, 110.89 % annual interest rate. 
XX/XX/XXXX interest rate charge was 110.89 % .on {$210.00} installment loan. 
XX/XX/XXXX interest rate charged, was 97.59 %, for installment loan {$170.00}. 
XX/XX/XXXX interest rate charged was 97.59 %, installment loan, {$770.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For my credit card to my cash out card someone stole on my phone and someone took money off my credit card to put all my XXXX XXXX card to spend money off my credit card and it was over {$5000.00} and I asked XXXX XXXX to freaking pay me the money back because of those transaction went made by me and it was from my Bank of America card from being unemployment and my unemployment money and this happened couple years back but also I've noticed someone been cashing checks under my name too that I'm come to find out when I try to freaking open my any bank accounts and I got a letter in the mail saying something about some check which I didn't cast no check and it wasn't from me someone using my information my purse was stolen with my phone and all my information was stolen and it's being misused

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 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: WA

Complaint narrative:
They are not properly and legally applying my extra payments to principal as requested, rather just taking the extra amounts off interest. They offer nothing on their statements that helps show application of extra payment. Feels like a huge scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I was a customer of Lexington Law for several years and paid monthly fees expecting credit repair services. Despite their promises, they never removed any negative items or improved my credit in any way. I never received any meaningful help, updates, or results. Now Ive seen there was a lawsuit and settlement involving Lexington Law, but I havent received any check, refund, or communication even though I paid them for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited a {$990.00} check on XX/XX/XXXX from XXXX XXXX XXXX ( drawn on XXXX XXXX. ) via mobile deposit into my U.S. Bank account. On XX/XX/XXXX the funds were available, but then were reversed and placed on hold until XXXX with no written notice, no {$220.00} partial availability, and no confirmed reason. 

I spoke with two reps : XXXX XXXX ( XXXX ) and XXXX XXXX  ( XXXX ), the latter of whom filed complaint # XXXX. Both admitted no stop payment or return had occurred but could not provide documentation. I never received the required Reg CC hold notice.

This is a clear violation of federal Regulation CC ( 12 CFR 229 ), and I am requesting enforcement and full restitution of the delayed funds.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicing Solutions, LLC
State: NC

Complaint narrative:
Servicing solutions took over my XXXX business credit card since XXXX decided to get out of the business of holding business credit cards. I had a great relationship with XXXX XXXX credit card. The transition was not handled properly and has been quite frustrating. I've been treated like a delinquent debtor as oppose to an integration. At first, I was not aware of the change and was a bit surprised when they charged my bank account every month. I previously submitted a complaint because I didn't know who they were and I called several times to understand. It took months to connect with someone to understand the payments. Once I connected with someone, the XXXX indicated that I could pay it off and they would remove the company from my credit reports ( all three ). She provided me with the a letter that detailed the amount and that I had 10 days to pay it off. I paid it off the following day. Since that time, the debt remained on all three credit reports incorrectly. Indicating that I owed XXXX every month. It has now been removed, as agreed, on Transunion and Experian. However, it still appears on Equifax. 

The reason that it's important that this is removed from my credit report is that XXXX didn't report this on my credit because it was a business card. Further, they have me as 90 days past due for the time that I disputed their charges from the bank. This was during the time that I didnt know the company. I followed up on my promised and yet I am here still seeing this on my credit. I've called several times and I either get someone who says someone will call me back in XXXX hours. It never happens. I spoke with another XXXX back in XXXX who said he saw the notes, apologized, and said that they should be removed within 10 days. That has not happened. Equifax has not been updated since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Southwest Business Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX PM MST I used SWBC automated payment system for XX/XX/XXXX of {$1300.00} payment. This payment was returned on XX/XX/XXXX according to SWBC and you charged {$78.00} in fees. I contacted my bank XXXX XXXX XXXX XXXX and they stated that SWBC computer system never presented the XXXX payment. I have been making my XXXX payment by money orders in prior months. The automatic payment system was suspended on my account for 1 year starting in XXXX. What happen to the automatic systems release? Why did SWBC not take the auto payment from there system. I want the late payment removed on the credit report and a refund of the fee {$78.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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