vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the XXXX XXXX ( XXXX, 15 U.S.C. 6801 et seq. ). 

I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following XXXX ( XXXX ) items, which I am formally demanding : XXXX. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt. 

XXXX. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law.

3. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the XXXX XXXX. 

If you are unable to provide all three documents within XXXX calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( XXXX XXXX, and Equifax ), and Cease sharing or selling my personal data in accordance with federal privacy laws. 

Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and XXXX XXXX unauthorized sharing of consumer data. 

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. 

This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Several dates were documented as late during various time period when the company placed my loan on pause to conduct a loan modification. It was explained and advised to me by XXXX XXXX  that while my application was in process for a loan modification I should not make any payment because it would alter the decision of my application. Despite my actions to adhere to their policy I was still being reported late to all 3 credit bureau without my knowledge.

I reached out to the company and all 3 credit bureaus to verify the accuracy of these late payments with full documentation and they failed to do so.

Action need to be done immediately to have these dates marked as current terms met. This has been hurting my credit tremendously and need this to be rectified. 

Late Payment dates : 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 2025-06-22 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: CA

Complaint narrative:
I am writing to dispute several unauthorized entries and incorrect personal information that I discovered on my credit report. Specifically, I have identified the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/2025 XXXX  XXXX Inquiry dated XX/XX/2025 In addition, my credit report reflects an incorrect address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ME XXXX I did not authorize either of these inquiries and have no affiliation with the address listed above. I believe these items XXXX be the result of identity theft or fraudulent activity. I have already contacted XXXX, who reviewed and confirmed that these inquiries and the incorrect address were unauthorized and fraudulent. They have since removed them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
I noticed a collection appear on my Transunion account. I filed a dispute noting that I have no knowledge of any open account and know of no delinquent account claimed by the creditor. 

Transunion keeps indicating they have verified the details, but will not provide me what those details are nor have I received valid proof the reported account belongs to me. 

As I do not have any active XXXX accounts, nor have I been contacted by XXXX or this creditor ( XXXX XXXX ), showing proof the account ever belonged to me, I keep point this out to Transunion. However, they keep posting nebulous responses.

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 2025-06-22 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX last reported XXXX/XXXX/XXXX  that I owe XXXX. They removed it then put it back the next week. I asked them to validate my debt under fdcpa and they ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: UPGRADE, INC.
State: PA

Complaint narrative:
FRAUDULENT CREDIT REPORTING & LATE NOTICE VIOLATIONS Timeline : - Last payment made : XX/XX/year> - Account sold to XXXX XXXX XXXX : XX/XX/year> - Notice of sale : Dated XX/XX/year> but received months later - Current date : XX/XX/year> VIOLATIONS : 1. IMPOSSIBLE PAYMENT HISTORY : Credit reports show late payments occurring AFTER my final payment date of XX/XX/year>. This is mathematically impossible and constitutes fraudulent reporting. 

2. INCONSISTENT REPORTING : Different information reported to each bureau : - XXXX  : {$7000.00} high credit, charge-off XX/XX/year> - XXXX  : {$7000.00} high credit, XXXX XX/XX/year> - XXXX  : {$3900.00} high credit, charge-off XX/XX/year> XXXX. LATE NOTICE : Account sale notice dated XX/XX/year> was received months late, violating my right to timely notification and ability to dispute.

4. FCRA VIOLATIONS : Furnishing known inaccurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ). 

I have sent dispute letters to both Upgrade ( XX/XX/year> ) and XXXX XXXX XXXX ( XX/XX/year> ) demanding deletion of fraudulent information. 

This fraudulent reporting is damaging my credit and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the XXXX XXXX ( XXXX, 15 U.S.C. 6801 et seq. ). 

I am disputing the reporting and/or collection activity associated with the above-referenced account. As a consumer, I am entitled by law to full validation and verification of any alleged debt. This includes the following XXXX ( XXXX ) items, which I am formally demanding : XXXX. A copy of the original signed contract between myself and the original creditor that bears my wet-ink signature, showing that I agreed to the terms of the alleged debt. 

XXXX. A valid and complete letter of assignment or purchase agreement showing that your company has been legally assigned the rights to collect on this alleged debt, per the requirements of FDCPA 809 and applicable contract law. 

XXXX. Proof of my written consent that I gave to the original creditor authorizing them to share my personal and financial information with your agency, and proof that I granted your agency permission to further share my personal information with any third parties, as required by the XXXX XXXX. 

If you are unable to provide all three documents within XXXX calendar days from the date this letter is received, you must immediately : Cease all collection activity, Delete all references to this account from my credit report with all consumer reporting agencies ( Experian, XX/XX/XXXX), and Cease sharing or selling my personal data in accordance with federal privacy laws. 

Continuing to report unverifiable, incomplete, or inaccurate data constitutes a violation of : FCRA 1681s-2 ( b ) your duty to investigate and correct inaccurate information, FDCPA 807 prohibiting false or misleading representations, and XXXX XXXX unauthorized sharing of consumer data. 

Failure to comply will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ), A complaint with the Federal Trade Commission ( FTC ) and the IRS, if applicable, and Legal action for damages under federal law. 

This is a final notice to correct the record. I expect your compliance under federal law. A copy of this letter is being notarized and retained for legal and evidentiary purposes. 

Sincerely, 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 2025-06-23 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am the holder of the a Wells Fargo debit card with which a single authorized payment was made on XX/XX/2025 for the company XXXX XXXX  XXXX  to the policy of my friend XXXX XXXX phone number XXXX I have been charged a second payment for {$250.00} on XX/XX/2025 without my consent, which I never authorized or signed. 
The XXXX insurance company told me that although I am the holder of the bank account they do not have to give me any information and that they have nothing else to talk to me about. 
The bank says it was my fault for having authorized the transaction one time.

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 2025-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I used the XXXX store credit card ( issued by Comenity Capital Bank ) account number XXXX to make a {$10000.00} jewelry purchase under a XXXX deferred interest promotional plan. I understood that if I made monthly payments and paid off the balance within 12 months, I would not be charged interest. 

By the end of XX/XX/XXXX, I had reduced the balance to {$6500.00} through on-time monthly payments. According to my XX/XX/XXXX statement, I paid an additional {$3000.00} on XX/XX/XXXX, bringing the balance to {$6400.00}. That same statement shows I have been charged over {$4000.00} in interest year-to-date, including {$220.00} for the XXXX billing cycle alone, and that my original promotional plan has expired. It also states that {$6400.00} is now accruing interest at a higher XXXX, currently 29.99 %. 

What I was not clearly informed about is that the promotional 0 % interest was deferred interest meaning if I did not pay the entire balance by XX/XX/XXXX ( the plan 's expiration ), I would be charged retroactive interest from day XXXX on the full purchase amount. I assumed that interest would only apply going forward to the unpaid balance, not retroactively to the full purchase amount. 

In the first week of XX/XX/XXXX, I made XXXX separate phone calls to customer service asking for clarification : I asked why such a large amount of interest was charged. 

I asked how the interest was calculated and why it applied to the full purchase. 

I requested a waiver or reduction of the charge as a goodwill courtesy, considering my history of timely payments. 

I was told the interest was valid and there was nothing they could do. However, I feel this interest policy was not clearly disclosed or explained at the time of the purchase, and that charging interest retroactively is predatory and misleading for consumers who believed they were making progress on the debt as long as payments were made on time. 

I am kindly requesting that the {$3800.00} in interest ( or part of it ) be waived or reduced, or that I be given an option to repay the balance under a fairer interest rate structure. I have made payments in good faith and tried to resolve this directly before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
On XX/XX/year> Nissan-Infinity added inaccurate and fraudulent information to my bureaus. I do not have an account with this company and this information dropped my score XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: LEXISNEXIS
State: OH

Complaint narrative:
XXXX XXXX last reported XXXX/XXXX/XXXX  that I owe XXXX. They removed it then put it back the next week. I asked them to validate my debt under fdcpa and they ignored me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: OH

Complaint narrative:
XXXX XXXX last reported XXXX/XXXX/XXXX  that I owe XXXX. They removed it then put it back the next week. I asked them to validate my debt under fdcpa and they ignored me

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 2025-06-22 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 ned som infomation removed from my file. The information that I need removd is in the report. I am an identity theft victim and didn't create the charge. I'm requestin that the items be removed so that I can correct my credit report. I have reported the identity theft to the Federal Trade Commission and have provid them wit copies of their Identity Theft Affidavit. Remove the items at your earliest convenience.

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 2025-06-22 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Digital Federal Credit Union XXXX XXXX Account Without XXXX Fraud and IRS Violation I am XXXX this complaint against Digital Federal Credit Union XXXX DCU XXXX for inaccurate and fraudulent credit reporting, failure to provide documentation, and violations of IRS and FCRA guidelines XXXX 

DCU is reporting a charged-off account ( Acct # : XXXX ) to all three credit bureaus, showing a {$15000.00} charge-off and a {$14000.00} balance. I never received a XXXX form, despite the debt being reported as written offthis is required under IRS XXXX XXXX Code XXXX when {$600.00} or more in debt is canceled. 

I also contacted DCU about fraudulent transactions and inaccurate late payments on the account. I made several requests for : Account validation Explanation of the late payments XXXX XXXX IRS reporting ( XXXX ) None of these were honored. DCU failed to assist or acknowledge the dispute, which violates : 15 U.S.C. 1681s-2 ( b ) Failure to investigate disputes 15 U.S.C. 1666b Improper billing 15 U.S.C. 1692c ( c ) Refusal to cease collection on a disputed debt IRS Publication XXXX / XXXX XXXX XXXX Failure to issue XXXX Additionally, under the legal doctrine of estoppel by silence ( XXXX XXXX XXXX, XXXX XXXX XXXX ( MO ) ), no proof or response from DCU XXXX be presumed to mean the debt is invalid.

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 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Today XX/XX/year>XXXX  I was at XXXX trying to purchase my XXXX grandson 's birthday cake. Chime company has a XXXX  that I had an available balance to be able to add and use to purchase the cake. At the same time I was in line checking out chimes whole entire app would not allow me access. It was embarrassing. My grandson was upset since he did not get his cake. That I pre-ordered and then had to leave there. Due to chime bank company 's mobile banking app not allowing access. I got a message stating that I need to check my internet connection. I have phone service I don't need to have Wi-Fi. It kept pushing me through all these kind of like puzzle things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-06-22 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: TX

Complaint narrative:
I filed an FTC report and froze my credit reports. I am a victim of identity theft my personal info has been used to apply for accounts, get credit accounts and utilities in my name by using my social, birthdate and several names similar to mine but not mine. My information was stolen and has cause me lots of time to get things corrected. I'm making this report to have unauthorized activity, accounts, inquires and more block from my all credit bureaus immediately, My personal info was leaked in Experian, Transunion and XXXX XXXX XXXX XXXX. Once I pulled my credit and became aware I tried to file a claim and was told I was pass the deadline to file. This information is not linked to my transaction. The info below are all fraud. Please block and delete these unauthorized fraudulent accounts from my bureaus. I now have a freeze and credit monitoring in place. The only name thats correct is the XXXX on my license. Collections unauthorized I have no contract or wet ink signature accounts with these creditors. CXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not apply for any credit with these companies and they do not have a wet signature or contract between. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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