vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reporting inaccurately as Late ARTESIANFCU - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurately as Collection

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 2025-08-26 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: PR

Complaint narrative:
The credit report contains false late payments, collection accounts, hard inquiries, and inaccurate personal information. All entries are unverifiable and damaging. I demand immediate deletion under FCRA, FDCPA, and 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 2025-08-26 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE XXXX 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 2025-08-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've disputed these XXXX particular items XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX several times with Equifax as well as Transunion. They sent me a letter back in XXXX stating if I sent in a copy of my credit report they would remove these items from my credit report. As of now these XXXX items remain on both of my credit reports. I would like these items to be removed. I've attached my credit report to this complaint and asked that these items be removed as soon as possible. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unverifiable personal information that is currently appearing on my consumer credit reports from Equifax, Experian, and TransUnion. The incorrect information is a list of addresses that I have never resided at or been associated with. 

The following inaccurate addresses are being reported : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX The presence of this incorrect information violates my rights under the Fair Credit Reporting Act ( FCRA ) to have accurate and verifiable data on my credit reports. This misinformation could negatively impact my ability to obtain credit, and it raises concerns about potential identity theft. 

I request that you investigate this matter immediately and instruct the credit bureaus to remove this inaccurate information from my credit reports. I have attached copies of my identification and proof of my current address to support my claim. 

Thank you for your prompt attention to this important matter.

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am formally disputing the transaction associated with XXXX # XXXX, originally placed with a merchant advertising as XXXX XXXX. This letter serves as notice of a billing error / fraudulent transaction under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
Summary of Dispute : The merchant, XXXX XXXX, no longer exists online and is widely reported as a fraudulent entity. 
I received damaged/used products that were not as advertised. 
I submitted multiple screenshots of the products, emails requesting a return, and documentation of other consumer complaints about this scam. 
I specifically requested Affirm provide me with the merchants response to my dispute. Instead, my dispute communications were removed from your system, and no merchant evidence was ever provided. 
I also formally notified Affirm by email XX/XX/year> and referenced I could provide my CFPB complaint ID # XXXX. To date, Affirm has not responded to my written request. 
My Rights Under Law : Under the Fair Credit Billing Act, I am entitled to : Written explanation of why my dispute was denied. 
Copies of the merchants response and any evidence used against me. 
Suspension of collections on the disputed amount during the investigation. 
Additionally, I have reported this matter to the Better Business Bureau ( BBB ), and updated the CFPB, due to Affirms handling of this dispute. To date Affirm has not responded to my written request. 

Affirm has failed to comply with these obligations by deleting my dispute records and withholding required documentation. 
What I Require : Immediate tsuspension of collection activity and loan repayment while this dispute is under investigation.

A written explanation of Affirms decision and copies of all merchant responses and documentation. 
Confirmation that this disputed account will not be reported negatively to any credit bureau until this investigation is resolved. 
I am also updating my complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX and will be forwarding this matter to my State Attorney General if Affirm does not comply. 
Please consider this letter my formal written notice of dispute. I expect your response within the time limits required under the FCBA.

Im asking this merchant to be investigated in the proper department under fraudulent transactions, which Affirm has ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have been XXXX  in the XXXX XXXX XXXXXXXX XXXX for almost XXXX XXXX now. I just finished active orders for training and tried to use SCRA and MLA. I was denied multiple times and I am supposed to get the annual fee waived. Ive been trying for months now and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX  to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and would like this account removed as result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
My loan originator is CrossCountry Mortgage. My issue is not the convenience but the security of their ccm.com loan services portal. The portal uses all pre-known information to access, there is no username, no user password, no ability to change any authentication methods, no multi-factor authentication, no trusted device. It simply asks for your name, your account number and the last XXXX digits of my SSN, which has been compromised for years. Everyone 's SSN has been compromised for years, I believe there were XXXX XXXX leaks in XXXX. I used to work for a financial firm and the government and this is laughable. You literally can't change your authentication to the site, it's completely static based upon known or easily found out attributes, none of which come even close to a username/password, let along something like XXXX and XXXX. 
This wouldn't comply with security regulations for XXXX, especially for a financial firm. 

Before this blows up, please shut them down and force them to put in something that is based upon the traditional XXXX or FTC standards. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX  IN Opened on XX/XX/XXXX Balance : {$1600.00} XXXX Opened on XX/XX/XXXX Balance : {$4100.00} XXXX XXXX  Opened on XX/XX/XXXX Balance : {$4700.00} XXXX XXXX  Opened on XX/XX/XXXX Balance : {$6900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Subject : Credit Report Dispute Incorrect Late Payment Reporting Account : Midland Credit Management Account # XXXX I am writing to formally dispute inaccurate information on my XXXX  credit report. The account listed under Midland Credit Management ( original creditor : XXXX XXXX  ) is reporting late payments for several months. This information is incorrect. 

Specifically, the payment history shows late payments for dates including XX/XX/year> and onward, which is inaccurate. I request that XXXX  investigate this matter and correct or remove the late payment notations, as they do not accurately reflect my payment history. 

Please re-investigate this account with the furnisher and provide me with written confirmation of the results. 

Enclosed are supporting documents [ attach copies of any payment confirmations, statements, or bank records you have ]. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: FL

Complaint narrative:
XXXX XXXX system bought a debt from a rental company, however the rental company never send me a bill to disputed charges, and my rental deposit. I contacted XXXX XXXX to send me a original bill, itemized. The company only send me the rental agreement and not a itemized bill. I kept calling and eventually send letter by mail which again never responded. This was the end of XXXX to early XXXX. 
In XX/XX/XXXX after 5 years a company called Zions debt holdings appear on my credit report which I contacted them to see why I was being charged a amount of XXXX. They said this debt was bought from the XXXX XXXX. Explained that this debt was older than XXXX XXXX XXXX XXXX, and to send proof that I owed this debt. I never received any information. Also this debt should not be mine as I was the co- signer and the primary person which is my husband doesn't have it in his credit report. I was the one being targeted. Zions debt Holding restarted the collection on my credit again starting from XX/XX/XXXX after the XXXX XXXX. This debt is going to be overall XXXX XXXX XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
RE : Cease and Desist from Further Communication Account No. XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am formally requesting that you immediately cease and desist from any and all further communication with me regarding the alleged debt referenced above. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request in writing that a debt collector stop contacting me. Once this request is received, you may only contact me to confirm that there will be no further contact or to notify me of specific legal action you intend to take. 
I demand that you stop all phone calls, letters, emails, or any other forms of contact with me, my family, or my place of employment. Failure to comply with this request will leave me no choice but to report your violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter is not to be construed as an acknowledgment of the debt, nor a refusal to pay. I dispute the validity of this alleged debt and request that you honor my rights under the FDCPA. 
Please confirm in writing that you have received this notice and will comply accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
b'i opened a XXXX XXXX a few yrs ago had it for a few months it locked needing verifcation i had no ID so i heard u can make a bank and withdraw the money in closed account so i made a chase bank account as soon as i transferred the money it locked the chase i called chase the next day  and they told me i also needed a id so i was screwed a year later i tried to see if they would give me acces to the chase online so i could verify online cause i had ID then but no way to get to chase bank they said i need to physically get there but i need to bring a guy named XXXX with me i told then that name is my XXXX XXXX but they refused to understand or didnt try so then i got my mom i signed power of attorney to her to physically go to the bank they refused to give her the money said i had to be there but also said ther was no money  now im able to get to a chase bank they told me that the check was mailed to my old adress on account wich i know isnt true i know there is something weird going on cause they also said it was too late to get the money i called back a month ago they said i wasnt getting any money that they had told me several times and quit callling and hung up please help me and i have one more issu the XXXX that was closed was still recieving money nost were canceled and refunded but 2 were recieved and completed they told me they couldnt see anything on there system after the XXXX XXXX XXXX but there is like XXXX transactions  it shows on my app and my computer but mobile browser is saying what there system says i contacted them a few times but nothing is getting done pls help me thank'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That commitment has not been honored, as these inquiries remain. This failure to act is unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is deeply concerning and strongly suggests possible identity theft. This ongoing issue is causing me significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> XXXX was taking out without my approval by XXXX and on XX/XX/year> XXXX was taking out without my approval even when my card was locked by XXXX that shouldnt be happening I want my money and no they haven't fix it yet I done emailed them and everything I'm ready to start a lawsuit please

Company response to consumer: Closed with explanation