vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am a victim of a data breach with XXXX  and have unknown accounts on the bureaus XXXX, XXXX XXXX, and XXXX, that I am not familiar with, including, but not limited to Affirm Inc., XXXX XXXX XXXX. I have submitted a FTC report and have filed complaints with the bureaus. I am asking that these are remove expeditiously as it has taken a toll on my report that I have these accounts that I dont even know what they are on there please complete a investigation and have these removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: UT

Complaint narrative:
My wife and I are co borrowers on a loan with my son. He missed a payment because of financial issues. were made aware of it and helped him get caught up XX/XX/XXXX. he had been granted forbearance starting in XXXX of XXXX all payments were made and current. XXXX home mortgage then sold the loan to XXXX XXXXso we called and found out who and how to make the payments. they notated that we were still in forbearance until XX/XX/XXXX. All Payments were made. in XXXX of XXXX XXXX reported us as XXXX  days past due.We immediately called them and they asked us to show proof that we had made the payments which we sent in. I was then referred to XXXX XXXX " XXXX employee Number ''. after a few weeks of calling trying to get a response and then being told they would look into it. today XX/XX/XXXX XXXX XXXX called and said even though we were in forbearance they would not change the late payment because XXXX  has a statement in there paper work that i sent to him that says it could effect your credit. however it says if you are late going into the forbearance or miss a payment which neither was the case. 
Every time I talked with XXXX XXXX he would put me off for another week for research purposes and now we are showing XXXX  days past due and we have never missed a payment. even on there website '' XXXX Mortgage '' it shows we are current.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLAZA HOME MORTGAGE, INC.
State: UT

Complaint narrative:
My wife and I are co borrowers on a loan with my son. He missed a payment because of financial issues. were made aware of it and helped him get caught up XX/XX/XXXX. he had been granted forbearance starting in XXXX of XXXX all payments were made and current. Plaza home mortgage then sold the loan to XXXX XXXXso we called and found out who and how to make the payments. they notated that we were still in forbearance until XX/XX/XXXX. All Payments were made. in XXXX of XXXX XXXX reported us as XXXX  days past XXXX immediately called them and they asked us to show proof that we had made the payments which we sent in. I was then referred to XXXX XXXX " XXXX employee Number ''. after a few weeks of calling trying to get a response and then being told they would look into it. today XX/XX/XXXX XXXX XXXX called and said even though we were in forbearance they would not change the late payment because plaza has a statement in there paper work that i sent to him that says it could effect your credit. however it says if you are late going into the forbearance or miss a payment which neither was the case. 
Every time I talked with XXXX XXXX he would put me off for another week for research purposes and now we are showing XXXX  days past due and we have never missed a payment. even on there website '' XXXX Mortgage '' it shows we are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the XXXX  CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

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 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 2025-05-15 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Credit cards were covered by insurance offered by original creditors. The credit companies discharged credit card accounts and sold the accounts to a third party vendor. The third party vendor, Spring Oaks Capital , LLC is trying to collect funds from me and never showed me an signed contract that I owe on these two accounts. Please note that I don't owe the debt collector any funds and according to Federal law 15 U.S. Code 1601. The two following accounts must be removed from my credit report. The two accounts are the following : Spring Oaks Capital LLC Account : # XXXX Spring Oaks Capital LLC Account : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP MORGAN CHASE CLOSED MY ACCOUNT ON XX/XX/XXXX. I HAD TO GO INTO A BRANCH ON XX/XX/XXXX AND HAVE A BRANCH MANAGER GIVE ME {$20000.00} BUT THEY WILL NOT RELEASE THE OTHER {$80000.00} TO ME. I HAVE BEEN WITH JP MORGAN CHASE SINCE XXXX AND YET THEY DIDNT GIVE ME, NOR THE BRANCH MANAGER ANY TYPE OF EXPLANATION AS TO WHY MY ACCOUNT WAS CLOSED AFTER 20 YEARS. I NEED MY HARD EARNED MONEY BACK. I EVEN OFFERED TO LET THEM TRANSFER MY MONEY TO ANOTHER ACCOUNT WITH XXXX XXXX  AND THEY SAID NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I applied for a XXXX XXXX and was charged a {$250.00} annual fee on XX/XX/2025, despite never receiving, activating, or using the card. I also noticed a XXXX XXXX XXXX of {$3.00} posted on XX/XX/2025. I have made multiple attempts to contact customer service, including extended hold times, but have not been able to speak to anyone. I never gave permission for any charges to be applied without card delivery or activation. This feels like a deceptive billing practice. I am requesting that this account be canceled and these charges reversed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Johnson Mark LLC mailed me a debt collection notification XX/XX/year>, stating they were a debt collector for a debt to XXXX XXXX XXXX On XX/XX/year> I mailed the notification back to them with a letter. On the notification, I checked I want to dispute this debt because it is not my debt, and I want you to send me the name and address of original creditor. The letter stated that I was disputing the debt because it was not mine, & I was unaware it existed. I requested the original signed & dated contract, in order to report identity theft. Their notice did not have a full account number. The collector never replied or sent any information. In XXXX of 2024 Johnson Mark LLC filed a court summons case XXXX, naming XXXX XXXX XXXX. As the Plaintiff and Johnson Mark LLC as the Attorney. I have been litigating this debt ever since. I have repeatedly sent additional disputes. I have filed an Identity Theft Report XXXX Affidavit with the Federal Trade Commission. My complaint is that this should not have been filed in court. Johnson Mark LLC ignored my timely dispute and did not provide me with the information I requested. In our litigation, Johnson Mark LLC did not send me any Discovery or evidence, until the judge told them to. The Discovery they sent listed attachments that were not attached or included. They have never shown any proof that the debt is owned by them, or a contract. XXXX XXXX XXXX has told me that they sold the debt, but they are listed as the Plaintiff. It is all very shady, and this debt never should have been filed in court.

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 2025-05-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report inaccurate and potentially re-aged charge-off information on my credit report regarding an account from XXXX XXXX XXXX 

The account was closed and marked Paid in Full/ Was a Charge-Off in XX/XX/XXXX. However, TransUnion continues to report monthly charge-off entries from XX/XX/XXXX through XX/XX/XXXX, even though the account had already been paid and closed. This is misleading and violates the Fair Credit Reporting Act ( FCRA ) 1681c ( a ) ( 4 ), which limits how long negative information like charge-offs can be reported from the original date of first delinquency ( DOFD ). Repeatedly updating a charge-off after payment and closure creates the appearance of new delinquency, which is illegal re-aging.

Additionally, when I disputed the account, TransUnion responded by stating the inquiry was verified by name and SSN, which does not meet the requirement under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to describe the procedures used during the reinvestigation.

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 2025-05-14 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: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and found multiple accounts and credit inquiries that I did not authorize. These entries were added without my consent and are the result of identity theft. 

The fraudulent accounts and inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Prober & Raphael, A Law Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX we called XXXX to report suspicious activity, we had reason to believe someone had taken out a loan in my name. A week later we learned that a wire had been sent in the amount of {$71000.00} to a bank account ( not ours ) in our name. 

We were out of town without phone/ access on a dive trip when the loan was inited!!!!! We spent over XXXX hrs on the phone with the XXXX security team. Security would not tell us the bank account information, or the email and phone number that our account was now associated with. The funds did not go to a XXXX XXXX XXXX XXXX  account. I found later, when I was finally able to login into the account, that funds went to a XXXX XXXX Account ending in XXXX. XXXX XXXX would not tells us any information. We filed a police report and communicated with XXXX several times. 

We were led to believe that XXXX had resolved the case- until we began hearing from collection agencies in XX/XX/XXXX. We have continued to communicate with XXXX and provided significant documentation that we did not make this withdrawal. We have communicated with multiple different collection agencies and given the information we have. 

And now as of XX/XX/XXXX We are being sued for {$79000.00} by XXXX XXXX, Managing Attorney for Prober & Rapheal- a collections firm. She has all our supporting documentation and knows we had nothing to do with this- but she has been harassing us anyway- in hopes of a default judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OR

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: GA

Complaint narrative:
I have paid my property management company in full as agreed with the courts. There was no eviction performed whatsoever. I have attached the court documents to show that this case has been settled on XX/XX/2025. My current lease ends on XX/XX/2025. I need this eviction record removed, blocked, or deleted from from my credit profiles and tenant screening profiles as soon as possible in order that it does not hinder my ability to lease in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: Monterey Financial Services LLC
State: OH

Complaint narrative:
I am filing this complaint regarding XXXX XXXX, who is reporting an alleged debt of {$1900.00} on my credit file. This alleged debt is based on a timeshare contract originally signed in 2014 in XXXX. After contacting XXXX XXXX to request XXXX XXXX, I received information that does not tie this debt to me. I was not the primary signee on this contract, my Social Security number, mailing address and birthdate were never listed on the agreement. Yet another individual 's personal information was. 

Additionally, this debt is now over XXXX XXXX XXXX, far beyond the XXXX reporting limit required under the Fair Credit Reporting Act ( FCRA ). Despite this, XXXX XXXX continues to report this outdated debt to the credit bureaus. 

I have disputed this account with the credit bureaus, but the debt remains on my report. I believe XXXX XXXX is violating the FCRA by reporting a debt that should have been removed years ago and that they have not properly verified as belonging to me. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX to cease all reporting of this debt and remove it from my credit files. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/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 non-monetary relief