vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am disputing the following accounts that have been inaccurately reported on my Equifax credit report. The information provided below shows the details of the accounts in question, including account numbers, balances, and dates. I request that you investigate these items and correct any inaccuracies as per the Fair Credit Reporting Act ( FCRA ). 

============================== CHARGED OFF XXXX XXXX XXXX XXXXXX/XX/year>, {$7000.00} ============================== INQUIRIES [ No inquiries listed for Equifax ] ============================== POSITIVE [ No positive accounts listed ] ============================== LATE PAYMENT FAYFINANCIAL XXXX Thank you for investigating these items. Please update me with your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: NY

Complaint narrative:
I reported crypto fraud along with XXXX  and ID theft to the FBI and I reported to the local police including but not limited to computer fraud, ID theft and XXXX. My ID theft police report states that multiple types of fraud occurred as a result of Identity Theft. I found evidence about a dark web inquiry this summer that indicates that someone created a crypto  account with my email address in XXXX of 2024 and it is on the dark web. I have never been on the dark web. My social security number and other Personally Identifiable Information was also leaked on the dark web weeks prior to the crypto inquiry. I have not heard anything from the FBI in response to their investigation of the fraud or the other crimes I have reported to them. I trust they are working on the investigation ; however, I have to stop the crime from continuing to occur. I have no information about where the crypto account was opened other than the date of the transaction and my email. I respectfully request that the Consumer Finance Protection Bureau investigate so that I can report and resolve the issue with the company involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I used Affirm to finance XXXX XXXX tickets purchased through XXXX on XX/XX/2025 for {$3100.00}. I selected Section XXXX XXXX XXXX XXXX seats on XXXX website using my XXXX, but my order confirmation showed Section XXXX XXXX XXXX completely different section. 

I immediately contacted XXXX via chat and by email ( XXXX ) on XX/XX/2025 but received only automated replies. On XX/XX/XXXX I filed a XXXX  complaint ( ID # XXXX ) ; XXXX later claimed they had no record of my correct selection and refused a refund, even though their Buyer Guarantee promises tickets the same as those you ordered. 

Affirm closed my dispute without giving me a chance to provide evidence and never followed up after I asked to reopen it. I am now being billed for an item that was not as described. 

I am requesting that Affirm cancel this loan, reverse any payments already collected and confirm no adverse credit reporting ; a full refund should be issued so the balance reflects {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-14 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am writing to dispute the following accounts on my credit report, which are being inaccurately reported. These accounts are being reported as " charged off, '' but there are discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation of the following items : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$4200.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5300.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
WILLFUL NON COMPLIANCE AND METHOD OF VERIFICATION REQUEST I am sending this notice because the accounts I previously disputed remain on my credit file without any proof of verification. You did not provide a method of verification as required and you continued to report information that has not been confirmed for accuracy. This failure places you in direct violation of the Fair Credit Reporting Act.

Under 15 USC 1681i you must complete a reasonable reinvestigation and you must provide the method you used to verify disputed data when a consumer requests it. I asked for that information and you did not provide the name of the verifier the address of the verifier or any documentation used to confirm that these accounts belong to me.

I am again requesting the full method of verification under 15 USC 1681i a 7. This includes The full name and mailing address of the party who verified the accounts A detailed explanation of the process used to verify the data Copies of the records used to confirm the accuracy of the reporting including any contracts account level documents or system logs You also have reporting duties under 15 USC 1681s2. If a furnisher can not certify the accuracy and completeness of reported data they must stop reporting it. Continuing to report unverified information violates federal law and places you in willful non compliance under 15 USC 1681n.

These accounts also show Metro2 inconsistencies that were never addressed during your reinvestigation. Missing fields mismatched data and unverifiable assignment details indicate that these accounts can not be validated at the file level. Accuracy and completeness are both required under the FCRA. 

Because no verification has been provided and the accounts remain uncorrected you must delete the following from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide the full verification requested within XXXX days I will file complaints with the Consumer Financial Protection Bureau the Federal Trade Commission and my State Attorneys Office for willful non compliance with federal law. I will also seek damages as provided under 1681n for your failure to correct inaccurate data after notice.

This is a final request for correction and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Deinde Online Services, LLC
State: IN

Complaint narrative:
Subject : Unfair loan terms and incorrect credit score used Integra Credit XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a personal loan with Integra Credit ( serviced by XXXX XXXX, XXXX ) and issued by XXXX XXXX XXXX  ( XXXX  ), a XXXX XXXX. 

The original loan amount was {$2500.00}, and my repayment agreement was for one monthly payment of {$190.00}.

To date, I have made 16 payments on time, totaling approximately {$3100.00}. 

However, Integra Credit now reports that my current balance is still {$2400.00}. 
This means that after paying more than the original loan amount, almost no reduction has been made to the principal balance. 
I believe this indicates excessive or miscalculated interest charges. 

Additionally, the lender referenced a XXXX XXXX of XXXX from XXXX XXXX ( dated XX/XX/year> ). 
My actual credit scores from XXXX, XXXX, and XXXX  have consistently been around XXXX. 
I believe the use of this alternative Clarity score unfairly justified higher loan interest rates and repayment terms. 

I am requesting the CFPBs assistance to : 1. Require Integra Credit and XXXX XXXX Bank to provide a detailed payment history and amortization report.

2. Verify that the interest rates and charges comply with federal and state lending laws.

3. Review the accuracy and appropriateness of the XXXX XXXX data used ( XXXX  XXXX ). 

Attached are my payment records and recent account summary showing : Loan Amount : {$2500.00} Current Balance : {$2400.00} Payments Made : 16 {$190.00} = {$3100.00} Account Status : Open Credit Score Used : XXXX ( Source : XXXX, XXXX ) Thank you for reviewing this matter and for helping to ensure fair and transparent lending practices. 

Sincerely, XXXX [ XXXX [ Your XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] XXXX, XXXX [ XXXX Address ] XXXX [ Phone Number ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am writing to dispute the following negative accounts on my credit report. These accounts are inaccurately reported and I request that they be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX  - Account No XXXX XXXX - Date Open : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$1500.00} XXXX XXXX XXXX NA - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$1800.00} XXXX XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$780.00} XXXX XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$990.00} XXXX XXXX XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$2500.00} XXXX XXXX XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX - Date Open : XX/XX/XXXX - Balance : {$2000.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$280.00} XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$620.00} XXXX - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} XXXX  XXXX - Account No : XXXX - XXXX XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX - Account No : XXXX - Date XXXX : XX/XX/XXXX - Balance : {$330.00} XXXX  - Account No : XXXX - Date Open : XX/XX/XXXX - Balance : {$0.00} Late Payments : XXXX  - Account No : XXXX XXXX  - Account No : XXXX XXXX - Account No : XXXX XXXX  - Account No : XXXX XXXX  - Account No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
CFPB COMPLAINT NARRATIVE ( STRONG VERSION ) XXXX XXXX XXXX XXXX is reporting false late payments and derogatory marks on my credit report, even though my account was never late and my vehicle was paid in full. Their own letter ( dated XX/XX/XXXX ) confirms my lien was satisfied on XX/XX/XXXX. 

However, the credit bureaus are reporting : False 30-day lates False 60-day lates Incorrect R ( repossession ) symbols These are completely inaccurate, and XXXX has failed to correct or delete them after notice, violating : FCRA 623 Furnishing false information FCRA 611 Failure to correct after dispute FCRA 602 Failure to ensure maximum possible accuracy These false late payments are causing severe credit damage and financial harm. Im requesting that the CFPB require XXXX to : Remove all late payments Remove all derogatory codes Correct the account to show Paid in Full / Never Late Confirm compliance with the FCRA

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 2025-11-14 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: PA

Complaint narrative:
CFPB COMPLAINT NARRATIVE ( STRONG VERSION ) XXXX XXXX XXXX XXXX is reporting false late payments and derogatory marks on my credit report, even though my account was never late and my vehicle was paid in full. Their own letter ( dated XX/XX/XXXX ) confirms my lien was satisfied on XX/XX/XXXX. 

However, the credit bureaus are reporting : False 30-day lates False 60-day lates Incorrect R ( repossession ) symbols These are completely inaccurate, and XXXX has failed to correct or delete them after notice, violating : FCRA 623 Furnishing false information FCRA 611 Failure to correct after dispute FCRA 602 Failure to ensure maximum possible accuracy These false late payments are causing severe credit damage and financial harm. Im requesting that the CFPB require XXXX to : Remove all late payments Remove all derogatory codes Correct the account to show Paid in Full / Never Late Confirm compliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I have a Mastercard with Indigocard. The issuing bank is Concora XXXX. Every month, they were charging me for add on services I did not request or order. This has been going on for over two years. I can not pay off the card because they never stop adding new charges even though I am not using the card and the charges are for add ons they put on my card. Things like Credit Protection and other miscellaneous charges for which I had not ordered and they would not disclose what they were actually for. Each time I called to complain, they just hung up on me and stated they would sue if I didn't pay.

Now, they locked me out of any online access, so I can't see any of the charges, due dates -- nor have they mailed anything to me reflecting this information. I requested they remove the auto payment because I do not know what I am paying for. Now, I have no access to the account at all and no one will address this. I want the account closed and I want to pay off my real balance ( if any ) less the charges for items they added and for which I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-14 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: CA

Complaint narrative:
Would you examine this entry? It could be both late and inaccurate.

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 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I am filing a complaint against Cornerstone XXXX XXXX ( XXXX, XXXX  ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

Cornerstone is attempting to collect a medical debt that I do not recognize. For XX/XX/year>, ( {$810.00} ) from XXXX XXXX XXXX. I requested a debt validation letter under 15 U.S.C. 1692g. Instead of providing proper validation, they : 1. Refused to validate the debt unless I filed a police report for identity theft, even though I never claimed identity theft.

2. Stated that they sent the validation letter to a wrong address they have on file, which I never confirmed. I did not receive any letter.

3. Claimed they can not send validation to me unless I provide my real address, which I am not required to do under the FDCPA.

4. Continued collection efforts despite my dispute and validation request, which is not allowed under federal law.

5. Attempted to pressure me by stating they have my Social Security number and past addresses, and implied that this proves the debt is mine, which is misleading and coercive.

6. Attempted to classify my dispute as an identity theft claim to justify requiring a police report, which is improper and avoids their legal obligation to validate the debt.

I clearly told Cornerstone : I am disputing this debt because I do not recognize it. This is NOT an identity theft claim. I am requesting full validation under 15 U.S.C. 1692g. Send the validation letter to the address you already have on file. I am not updating personal information.

Despite this, they refused to validate the debt and insisted on a police report before providing information, which is illegal.

I am requesting the CFPB to : Require Cornerstone to provide proper debt validation Require them to cease collection activities until validation is provided Investigate their refusal to comply with the FDCPA Investigate their use of coercive tactics and misrepresentation Ensure this unvalidated debt is not reported to credit bureaus Cornerstones actions violate multiple FDCPA provisions, including failure to validate, misrepresentation, continuing collection during a dispute, and improper demands for personal information. 

I want the CFPB to intervene and ensure this collection activity stops unless and until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, Experian, and TransUnion data
breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation