vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing a complaint against American Express regarding a derogatory personal credit card account that is being illegally furnished to XXXX. This account is beyond the XXXX federal reporting limit under the Fair Credit Reporting Act ( FCRA 605 ( a ) ). Despite this, American Express continues furnishing data to XXXX, and XXXX  is still reporting the account. 

The Date of First Delinquency ( DOFD ) on this account occurred in XXXX, which is shown clearly on my XXXX  credit report. Because it is now XXXX, more than 7 years have passed, and this account is obsolete and may not legally be reported.

Both TransUnion and Equifax have already removed this American Express account, confirming that it is outside the allowable reporting period. XXXX  is the only bureau still reporting it, based solely on American Express continuing to furnish information that is no longer legally eligible to be furnished. 

Under FCRA 605 ( a ), consumer reporting agencies may not report adverse information more than 7 years from the XXXX. XXXX XXXX continued furnishing of this obsolete tradeline violates : FCRA 623 ( a ) ( 1 ) ( A ) Duty to report accurately FCRA 623 ( a ) ( 2 ) Duty to correct and update FCRA 623 ( a ) ( 5 ) Duty to report accurate DOFD FCRA 605 ( a ) Obsolescence Rule This illegal reporting is harming my credit and preventing me from securing a mortgage, even though I earn over {$300000.00} per year as a longshoreman and have stable employment. 

I am requesting intervention because American Express is furnishing outdated, obsolete, and legally unreportable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: GA

Complaint narrative:
I am filing this complaint because Advance America continues to call me nonstop, even though I sent them a formal 1099-C Cancellation of Debt for {$670.00} via Certified Mail, which they received on XXXXThis notice was received before their charge-off date of XX/XX/year>, meaning they were fully aware of the dispute and cancellation event prior to any charge-off or continued collection activity. 
A. Continuous Harassing Calls After Written Notice ( FDCPA Violation ) Even after receiving my written 1099-C cancellation notice, Advance America began calling me repeatedly, sometimes multiple times per day. This violates : FDCPA 15 U.S.C. 1692c ( c ) continued communication after written notice FDCPA 1692d ( 5 ) causing a phone to ring repeatedly to harass or annoy These nonstop calls constitute harassment and abusive debt-collection conduct.

B. Failure to Acknowledge 1099-C Cancellation Notice Advance America received my Form 1099-C before charge-off. 
Despite this, they : Did not acknowledge receipt Did not stop collection Did not update or correct the account Did not respond to my cancellation notice C. FCRA Violations Failure to Update or Investigate Advance America failed to : Report the debt as disputed Investigate the cancellation notice Update the account to reflect cancellation event Communicate the dispute to credit reporting agencies This violates : FCRA 623 ( a ) ( 1 ) duty to report accurate information FCRA 623 ( a ) ( 2 ) duty to update and correct FCRA 623 ( a ) ( 3 ) duty to report disputes FCRA 611 duty to investigate D. UDAAP Unfair and Abusive Practices Continuing to : Call the consumer incessantly Ignore certified written notice Ignore a cancellation of debt Attempt to collect on a debt that was formally disputed and cancelled constitutes unfair, deceptive, and abusive practices under 12 U.S.C. 5531.

E. IRS Compliance Failure When a creditor becomes aware of a 1099-C cancellation event, they must : Investigate Respond Correct reporting Cease improper collection Advance America failed to follow this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-25 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XX/XX/year>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 XXXXXX/XX/year>

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 2025-11-25 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$720.00}. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-25 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:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-25 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: GA

Complaint narrative:
I am disputing the following accounts reported by Experian due to inaccuracies, including incorrect balances, dates, or missing information. Please investigate and make the necessary updates. 

Charged Off Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: AL

Complaint narrative:
I went to the atm and no money was dispensed out the bank I have returned my forms in and also contacted wisely bank multiple times its been over 11 business days I still havent received my provisional credit after returning in documents. I need my funds asap my bills are due

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Date : XX/XX/2025 To : Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Re : Cease & Desist Validation Request Account No. : XXXX Original Creditor : The Bank of Missouri Current Balance Reported : {$1200.00} To Whom It May Concern, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) demanding that Midland Credit Management cease and desist all communication with me regarding the above-referenced account.

Under 15 U.S.C. 1692g ( b ), I am requesting full validation of this alleged debt, including but not limited to : XXXX. The name and mailing address of the original creditor ( The XXXX XXXX XXXX ) XXXX. A full, itemized accounting of the alleged balance of {$1200.00} XXXX. Documentation proving that Midland Credit Management has the legal right to collect this debt XXXX. A copy of any original contract or agreement bearing my signature Until full validation is provided, you are required to : Cease all collection activities, including calls, letters, and emails Cease and desist all reporting and furnishing of this debt to any consumer reporting agency Remove any information already reported to XXXX XXXX, or XXXX  that can not be fully verified Failure to comply may result in complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The New York Attorney Generals Office This letter does not acknowledge ownership of the debt. It is strictly a request for validation and a demand for all collection activities to cease immediately. 

I expect your written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
I ordered some clothes from the website XXXX and used Affirm as a payment option. I trusted the XXXX and XXXX website because it advertised it was a brick and mortar store located in XXXX that had been in business for 3 decades and was going out of business. I also trusted them because Affirm was integrated into their website to accept payment which meant Affirm vouched for that company. Immediately after ordering I received notice the clothes were coming from XXXX. I immediately contacted the merchant XXXX and XXXX and confronted them and they didnt deny they were a scam company. I told them to cancel the order. They waited to email back even though their website promises 24/7 responses. They asked me to go ahead and keep the order with 20 % off. I refused and again told them to cancel the order. They ignored the cancellation and began to ship the order anyways. I contacted Affirm and disputed the transaction as cancelled and inform Affirm them that XXXX and XXXX is a scam company and the Federal Trade Commission Act protect consumers from false advertising and making deceptive claims. I provided ample proof of all of XXXX and XXXX 's false advertising and deceptive claims with extensive documentation. I also provided proof the items were returned to the merchant. Affirm altered the reason for my disputed without my permission and then proceeded to tell me I had to pay for the order. I am not legally obligated to pay for an order that was purchased at a scam company and I am not legally obligated to pay for an order that is in the merchants possession. 
If Affirm supports a company that is breaking the law, then not only are they NOT protecting the consumers there company relies on but they are complicit and can be held accountable. XXXX and XXXX is scam online shopping company that has many different website domains which all falsely advertise and make deceptive claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am the homeowner of a property serviced under a HELOC by Shellpoint Mortgage Servicing. Shellpoints property preservation vendor entered my home without lawful authority, without notice, and without confirming occupancy. They broke a window, drilled out my locks, damaged the interior, and stole personal items. 

I filed a police report and notified Shellpoint, but they have taken no corrective action. A lender-placed insurance claim was filed, which approved damages to the structure, but Shellpoint has still not released the payment. They have refused to compensate me for the stolen items caused by their vendors unlawful forced entry. 

This appears to violate : Missouri Merchandising Practices Act Missouri Criminal Statutes for burglary, destruction of property, and theft RESPA servicing rules CFPB force-placed insurance laws HUD property preservation regulations General negligence and failure to supervise vendors I am requesting an immediate investigation and enforcement action.

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 2025-11-25 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Someone keeps applying for credit cards in my name. I am requesting to have my credit information locked and a fraud alert placed on my credit report. The only address that should be on my credit profile is XXXX XXXX XXXX XXXX XXXX, TX XXXX. My name Should appear on my report as my credit report is XXXX XXXX XXXX! I am a male and I am not a XXXX please correct this! I DID NOT apply for credit with any of the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove and lock my credit please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I am filing this complaint because all three nationwide credit bureaus Equifax, Experian, and TransUnion are reporting multiple items on my credit reports that are inaccurate, unverifiable, obsolete, or missing legally required information, creating severe financial harm and emotional distress. Across all three reports, the Navy Federal Credit Union charge-offs are listed with inconsistent DOFD dates, conflicting balances, and status histories that do not match the true timeline of the account, violating the FCRAs accuracy requirements in 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and the obsolete information rules in 605 ( a ) and 605 ( c ). Several collection accounts, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, appear with missing DOFD data, incorrect balances, or reporting that contradicts earlier creditor information, and none of these collectors have provided proper validation required by DCPA/FDCPA 809, while still reporting information that appears false or misleading under 807 and unfair under 808. Additionally, each bureau reports clusters of hard inquiries from lenders I never applied with and never authorized some repeated on the same day, others appearing long after I submitted no applications violating the permissible purpose requirement under FCRA 604 ( a ) and the retention limits under 605 ( a ). Despite these issues impacting my ability to obtain credit, secure housing, and maintain fair financial standing, the bureaus have allowed these errors to remain on my record without verifying them through proper documentation as required under FCRA 607 ( b ), 611, and 609 ( a ) ( 1 ). I am requesting CFPB intervention because these errors represent systemic failures in accuracy, disclosure, verification, and compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CL Holdings LLC
State: NY

Complaint narrative:
I called Jefferson Capital Debt to confirm that I paid a debt from XXXX  years ago. The agent offered to run my credit report for {$1.00}. I agreed and the report was run through a company called XXXX. I woke up this morning and I was charged XXXX from XXXX. I was never advised that by agreeing to the {$1.00} charge that I would be subsequently charged monthly for the service. I never signed or agreed to any monthly reoccurring charges. Ive disputed the charge with my bank and had to get a new card. Jefferson capital needs to be up front about what theyre actually doing with your card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Balance : {$900.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief