vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I'm contacting you regarding an account that has been reported under my name without my authorization. Let me be absolutely clearthis account is not mine. It was opened without my knowledge or consent and represents unauthorized, fraudulent use of my personal identity. 

I take the security of my personal information extremely seriously, and I did not authorize this account in any capacityno application, no approval, no usage. I am a victim of identity theft, and this fraudulent account is the direct result of that violation.

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 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Im writing to formally dispute a charged-off account on my Affirm account related to a purchase made through XXXX XXXX XXXX XXXX 

The product I purchased a treadmill was defective and ultimately caused a personal injury due to electrical issues and sudden stopping. I reached out to XXXX XXXX XXXX multiple times requesting service and resolution, but they failed to send a technician or repair the machine. I later requested a full refund and was recently informed that they would remove the equipment from my home. 

Despite this, I noticed that the loan associated with this purchase has been charged off, and it is now being reflected negatively on my credit report. This situation was caused by a faulty and dangerous product, followed by poor customer service on the vendors part not due to any unwillingness on my part to fulfill my obligation. 

I am kindly requesting : A formal review of this charge-off Temporary pause on any negative reporting to credit bureaus Coordination with XXXX XXXX XXXX to resolve the matter fairly Removal of any negative marks associated with this situation Please let me know what steps I need to take or provide any documentation to assist with this process. I appreciate your understanding and prompt attention to this issue.

Furthermore, Affirm claimed that previously submitted evidence does not carry over when a dispute is refiled. However, this contradicts my prior experience with Affirm, including a separate dispute involving XXXX, where previously submitted evidence remained available and was clearly referenced during the resolution. There is no published policy on Affirms website indicating that dispute evidence is deleted or disregarded upon resubmission. This inconsistency raises questions about the fairness and accuracy of the dispute resolution process in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used to be a Chase member, I had a checking account and my account was closed out due to a fake check being deposited into my name. I called the bank to let them know that the check that was deposited and was not mine, the check came from an entire different state. They concluded their investigation and closed out my account. They had given me no information on what the issue was for trying to reopen an account years later. Till this day I still can not open a checking account but with no reason provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXXXXXX, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : XXXX # XXXX XXXXXXXX XXXX XXXX- ACCT # XXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX-ACCT # XXXX LEGAL GROUNDS FOR REMOVAL : Under XXXX XXXX XXXX ( a ) ( XXXX ) XXXX A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX days. 
I am exercising this right and demanding strict compliance. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 
Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 
Per XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 
YOU ARE HEREBY PUT ON NOTICE : You have XXXX days from the receipt of this letter to complete a lawful investigation. 
If this account is not XXXX XXXX verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under XXXX XXXX XXXX and XXXX for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 
I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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 2025-06-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXX Fraudulent Inquiry to Be Removed : XXXX XXXX - XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year> As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to speak with a customer service representative about my credit reporting I reached a representative that was pretty nice she understood my situation that my report was inaccurate and she told me that they would change the report as soon as possible. Today XX/XX/XXXX I spoke to some very rude Representatives and they told me there was nothing they can do about changing my report and that it was accurate. They went on to tell me that my payments that I made were not acceptable because I made them too early. I proceeded to tell her that I paid in XXXX XXXX times for XXXX and XXXX also. I started having trouble with my bank. so I had to make my XXXX and XXXX payment from a different card. when I try to explain that to the woman she just ignored me. she treated me like pure trash. The way they treat their customers is abysmal to their company! When I told them that I would have to file a complaint they said they did not care! They said that their system took my payments as extra so they mark them as late! I asked them if they could change them and they told me no. I asked to speak to a supervisor. When I was put on the phone with the supervisor I went on to tell her about the situation about the credit reporting being wrong. She told me there was nothing she could do about it. I continued to tell her how it was affecting my closing on my home and how I would be homeless if she couldn't change the credit reporting to accurate. She said she will not do it and to call the credit bureau. I asked her if she could kindly check XX/XX/year> payment and tell me how it was late. She started yelling at me and She proceeded with hanging up on me. The line switched me back to the beginning where I was prompted to start the call all over again. I just burst in tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I recently obtained my full payment transaction history directly from Credit Acceptance, which shows I was actively making payments during many of the months they are reporting severe delinquencies. In some cases, I made partial or multiple payments under payment arrangements, yet I was still reported as XXXX or XXXX days late. 

Additionally, each credit bureau is showing different late payment dates and severities for the same time periods, which indicates Credit Acceptance is furnishing inconsistent and inaccurate data in violation of FCRA XXXX XXXX. 

I also submitted a XXXX of XXXX ( MOV ) request through XXXX in late XXXX and followed up on XX/XX/year>. I was told the documentation would be mailed within XXXX business days, but as of now I have not received any proof that the reported late payments were verified. 

I am asking that Credit Acceptance either correct or remove the inaccurate late payment reporting from all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Contacted Robinhood after they liquidated all of my positions, and not able to withdraw money out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WI

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} INQUIRIES : XXXX XXXX XXXX Date : XX/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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am unaware of this account and it recently showed on my credit report for late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: NEXBANK CAPITAL, INC.
State: FL

Complaint narrative:
Complaint against NexBank This bank and its employees purposely did not follow. Instructions provided to close your account and transfer the funds to another institution. Even though information was provided to them in writing this bank did not follow those instructions requested now I still have not received those funds. This issue is being communicated to another government agencies Against this fraudulent activity. 
XXXX of the executives XXXX XXXX is aware of the issue at this point. Nothing has been done about it. This is unacceptable that this bank is fraudulently the following customers wire instructions

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 2025-06-12 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:
I previously submitted a dispute for this account, but it still reports inaccurate and incomplete information. I am now formally requesting a detailed explanation of the investigation process you used. By law, you must send this within XXXX days of receiving this letter. If the information cant be verified or you dont reply, the disputed items should be deleted. Ive included a copy of my written request for your reference. I appreciate your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
This submission provides additional documentation and legal analysis in support of my ongoing complaints : CFPB Complaint ID XXXX CFPB Complaint ID XXXX I have attached : A summary of all violations I believe occurred ( including unlawful APR, unauthorized add-ons, and disclosure violations ), A breakdown showing my effective APR exceeds XXXX XXXX, well beyond Texas legal limits for used vehicles , And a formal request for the dealership to produce missing signed agreements for the {$500.00} debt cancellation fee and {$3000.00} service contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
I'm contacting you regarding an account that has been reported under my name without my authorization. Let me be absolutely clearthis account is not mine. It was opened without my knowledge or consent and represents unauthorized, fraudulent use of my personal identity. 

I take the security of my personal information extremely seriously, and I did not authorize this account in any capacityno application, no approval, no usage. I am a victim of identity theft, and this fraudulent account is the direct result of that violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my credit report 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