vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I've pulled my Experian, Equifax and TransUnion credit report 's both on your website 's and identity iq and have found some inaccurate information that requires removal. I have a new employment opportunity coming up a d I know they'll pull my credit report, and this false information will hurt me. 
Option A XXXX XXXXXXXX XXXXXXXX XXXX  Acct. No. : XXXX. I was not late on XXXX, 2025, XXXX, 2025 and XXXX, 2025, which is reported as 30, 60 and 90 day lates on my Experian, Equifax and TransUnion credit report 's. Remove these late payments for inaccuracy and update to paid as agreed. 
Option B XXXX XXXXXXXX XXXX XXXX  Acct. No. : XXXX this late payment on XXXX, 2025, XXXX, 2025, and XXXX, 2025 requires removal because I paid on time. Please furnish the bank statement belonging to XXXX XXXXXXXX XXXX, proving that I was ever late on this account. If you can't furnish this bank statement ( which is the only legal form of verification ), this account must be updated to paid on time never late for false reporting. 
Option C XXXX XXXX XXXX XXXX Acct. No. : XXXX. Update to paid as agreed- I was not late XXXX, 2025, XXXX, 2025, and XXXX, 2025. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've pulled my Experian, Equifax and TransUnion credit report 's both on your website 's and identity iq and have found some inaccurate information that requires removal. I have a new employment opportunity coming up a d I know they'll pull my credit report, and this false information will hurt me. 
Option A XXXX XXXXXXXX XXXXXXXX XXXX  Acct. No. : XXXX. I was not late on XXXX, 2025, XXXX, 2025 and XXXX, 2025, which is reported as 30, 60 and 90 day lates on my Experian, Equifax and TransUnion credit report 's. Remove these late payments for inaccuracy and update to paid as agreed. 
Option B XXXX XXXXXXXX XXXX XXXX  Acct. No. : XXXX this late payment on XXXX, 2025, XXXX, 2025, and XXXX, 2025 requires removal because I paid on time. Please furnish the bank statement belonging to XXXX XXXXXXXX XXXX, proving that I was ever late on this account. If you can't furnish this bank statement ( which is the only legal form of verification ), this account must be updated to paid on time never late for false reporting. 
Option C XXXX XXXX XXXX XXXX Acct. No. : XXXX. Update to paid as agreed- I was not late XXXX, 2025, XXXX, 2025, and XXXX, 2025. 

Thank you, 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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I dont normally answer numbers I dont recognize and they dont leave voicemails so i dont know when they're calling but ive noticed its usually from a XXXX  number. 
Portfolio asset management Texts that I have saved are from XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX They are both attempting to collect a debt. There were more but I dont have them. 
Emails from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They also call all days and hours. They latest I have is a XXXX  around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I requested information on my account and I requested details of my account and I got send a employee generated form that is made up and typed out by a employee that clearly states I gotten. Refunds which I didn't receive and upon looking the green is refund and red is negative my money taken out, it's a clear typed out form and in legal status is illegal for this to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
Dispute : XXXX XXXX  Dispute : # XXXX XX/XX/XXXX XX/XX/XXXX Some stores failed to provide their services, and I disputed the charges for lost merchandise. I opened disputes, but the bank isn't providing quick and clear solutions and isn't giving me a promotional credit as the law stipulates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am requesting for FULL Discharge of Student Loans Due to XXXX Misleading and Unlawful Practices. I am writing to formally request the discharge of all student loans held bXXXX XXXX due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
XXXX misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet financial obligations. In addition, XXXX has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Navient has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). XXXX conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on Navient advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not a request. This is a DEMAND FOR IMMEDIATE ACTION. Your company 's blatant disregard for the law and for the accuracy of my credit report has caused me immense financial and emotional distress. Your negligence is directly impacting my ability to provide for my family.

I have already provided you with an FTC Identity Theft Report, which you have illegally ignored. You are in direct and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, by failing to conduct a reasonable investigation and delete these fraudulent accounts within the 30-day statutory period.

Your continued reporting of this false information is illegal. This is not a request for a reinvestigation it is a DEMAND FOR IMMEDIATE AND PERMANENT DELETION.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is a formal 7-day demand under the Fair Credit Reporting Act requiring Equifax to verify or delete the inaccurate, outdated, and unverifiable accounts listed below. The information reporting on my Equifax file violates : FCRA 602 ( A ) Maximum possible accuracy FCRA 607 ( b ) Failure to assure accuracy FCRA 611 ( a ) ( 1 ) ( A ) Duty to investigate FCRA 611 ( a ) ( 5 ) ( A ) Mandatory deletion of unverifiable information FCRA 605 ( a ) Time limits for reporting derogatory information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate data The CFPB lawsuit against Equifax ( 2023 ) further demonstrates their repeated history of failing to investigate disputes and allowing inaccurate information to remain on consumer reports. I am holding Equifax to all federal requirements. 


ACCOUNTS REQUIRING IMMEDIATE DELETION XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Reported : XX/XX/XXXX Highest Balance : {$190.00} Reported On-time Payment Rate : 1 % ( factually impossible on a closed/paid loan ) Violations : FCRA 605 ( a ) ( 4 ) Derogatory information may not be reported after 7 years ( This account is nearly 10 years old, and any derogatory marks MUST be removed. ) FCRA 607 ( b ) Reporting inaccurate on-time rate FCRA 611 ( a ) Incorrect reinvestigation procedures FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate payment history Demand : This account is WELL PAST the 7-year reporting period.

You must delete the entire tradeline immediately.

If Equifax can not verify its accuracy within 7 days, the FCRA requires deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( Transferred, Charge-Off ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX Status : Charge-off + Transferred Payment history showing late mark ( s ) beyond legal timeframe Problems Identified : Account is still reporting charge-off derogatories past the legal limit Payment history shows 0/0/1 ( 90+ days late ) without proper date sequence Transferred accounts can not continue reporting derogatory marks Equifax is reporting payment history for years after closure , which is not possible Violations : FCRA 605 ( a ) Reporting obsolete derogatory information FCRA 607 ( b ) Failure to maintain accurate reporting FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Illegal re-aging of delinquency dates FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate status after transfer Demand : I request full documentation establishing : 1. The correct DOFD ( Date of First Delinquency ) 2. Proof no illegal re-aging occurred 3. Proof of derogatory reporting authority after transfer If Equifax can not provide documentation within 7 days, this account must be deleted completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have used affirm for years. Im always early on my payments. For then past couple months everytime I try to use affirm I get an email saying they are unable to verify My identity. I reached out to customer service I was told that they had to escalate My case and I would hear something within 3-5 days. 7 at the most. When 7 days passed and I still have been reached out to I contacted customer service again. I was told the exact same thing. Also that they could not really do anything that only the team that it was being escalated to could help. So I waited. Still nothing. Reached out again was told I would get an email that day or the next day with a resolution. Still two days later nothing. So once again I reached back out to customer service and guess what I was told? The same thing. This has happened before and was resolved in less than 24 hours. The customer service is the worst Ive ever had to deal with. Yes they are friendly but not one of them could actually help me or give me an answer that was not a lie. I use affirm for a lot of things. Mainly XXXX for My Family. This issue has really put a strain on Us this year. I just cant get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
For account number XXXX : On XX/XX/XXXX I set up two payments to come out of my checking account. One payment was for {$1000.00} and another one for {$300.00}. Then I went to make my regular monthly payment and I saw the updated past due balance. I thought both payments went through accordingly, so I did not think about further information. I received a blank notice in the mail from Mr. Cooper next confused as to why it was blank. I then called, begging for assistance as this should have never happened. I was told to email XXXX and explain my situation. for a curtesy one time waver of late fee as this would destroy my credit. I received an inquiry that this will take 30 days for review. I emailed 5 more times after this begging for help. Explaining that I am recovering from going XXXX from my auto immune XXXX and this year has taken a toll on me and I am working on getting a new mortgage. I was told a representative called us on XX/XX/XXXX but did not leave a voicemail. Then, she told me on XX/XX/XXXX the automated system called but no voicemail. I asked why I did not receive any calls within XXXX weeks and she stated that it was still processing but then confirmed that it took XXXX days to process. I became upset because all I am trying to do is better myself and I am asking for just a one-time waive of the late reporting as I have been making on time payments for almost 5 years and never late. I explained that I have gone XXXX and slowly getting my eyesight back with my team of drs. and an extensive medical condition. The woman was so rude to me. It was a team lead, stated that a manager will do the same thing as she does so its pointless to go higher than her. Then she threatened me with foreclosure. At this point I am crying my eyes out because I am just asking for a waiver. Not that I am not making my payments. I felt belittled and dehumanized within a 20-minute phone call. I'm already humiliated and I felt so mistreated. I'm just trying to better my life.. The worst part of this is that I already made {$1300.00} towards my mortgage. I just had a small error for the remainder amount. I only owed {$770.00} more on this payment discrepancy...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-09 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-09 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: MD

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe are inaccurately reported. These accounts do not reflect the most current or accurate information, and I am requesting that they be thoroughly investigated. Below is a list of the accounts I am disputing, separated by bureau, along with their respective details. 

Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late Payments : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-12-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Oquirrh Mountain Law Group, P.C.
State: IL

Complaint narrative:
XX/XX/XXXX, Lexington law charged my card {$130.00}. I never signed up for thier services. Ive called them. They told me that they will cancel my supposed membership and that I would be reimbursement.

Company response to consumer: Closed with explanation