vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have gotten a few reports from my various credit cards credit monitoring that my information has been found on the dark web over the past year or two. I did not think anything of it because most of the information was false anyway. Around XXXX XXXX when I was checking my credit report through my XXXX account ( I hold multiple credit cards through XXXX XXXX ) I noticed there was a late payment that was reported through Affirm. I didnt even know what Affirm was at that point nor did I know how you even use it. I also did not see this line of credit through my XXXX XXXX reporting that I check regularly because I dont believe they pull their information from XXXX. That was the only bureau that was actually showing this line of credit that I did NOT OPEN. When I called Affirm to try and figure out what it was for, I had a lot of questions because Ive never even used Affirm for anything because I have my own credit cards that I use for everything. They informed me it was a purchase made using my social security number and an old email address I never check anymore and it for a website called XXXX XXXX??? Ive never even been on that website. Now my credit is severely affected because I have a fraudulent loan with a delinquent payment history. I had Affirm investigate and they determined I am responsible for the balance even though I reported that it was entirely FRAUDULENT. Then I had XXXX investigate and they determined the information was accurate and I am still responsible for this fraudulent loan. The only information you need to open this loan/line of credit is extremely basic information that is easy to find. I am also frustrated that they have investigated but I have not received any follow up questioning in regards to this. What are even the parameters around the investigation and how they determine its fact and not fiction?? They just investigated and determined I am liable for a loan I DID NOT open on a website Ive NEVER even been on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX BK OF AMER XXXX : Credit Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX and XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I recently reviewed my consumer report and noticed that two late payments were reported on my account ( XXXX XXXX ). However, I have never been late on this account. 

As you know, consumer reporting agencies play a crucial role in ensuring that the information they provide is accurate. I take my credit history seriously, and I believe this is a mistake that needs to be corrected. 

I kindly request an investigation into these reported late payments. Please provide proof, including statements showing the specific dates these payments were allegedly late. If no such proof exists, I ask that these records be updated to reflect on-time payments, as they should be. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

Best regards, 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the company is reporting XXXX late payments on my credit report i have never been late when i asked for the documents showing i was late they never provided them please update this account to never late pays as agreed The XXXX XXXX XXXX Account number XXXX date at question XX/XX/year> and XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: OH

Complaint narrative:
the company is reporting XXXX late payments on my credit report i have never been late when i asked for the documents showing i was late they never provided them please update this account to never late pays as agreed The XXXX XXXX XXXX Account number XXXX date at question XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX CAPITAL ONE Attn : Credit Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Bay Equity LLC
State: VA

Complaint narrative:
In XX/XX/XXXX, I purchased a property through XXXX, which referred me to a loan officer from XXXX XXXX. I inquired about utilizing XXXX XXXX XXXX XXXX to XXXX with the down payment and closing costs. The loan officer informed me that using the grant would automatically increase my interest rate and advised against it. Trusting their expertise, I proceeded without the grant. 

Subsequently, during XXXX and XXXX XXXX friends acquired homes through different companies, and their loan officers incorporated the XXXX  XXXX XXXX XXXX without affecting their interest rates. This discrepancy leads me to believe that Bay Equity may have misled me, possibly due to a lack of affiliation with the grant program.

I attempted to contact Bay Equity for clarification but received no response. I now wish to file a complaint regarding this potentially misleading guidance.

Bay Equity also shared my personal information with life and home insurance companies without my explicit consent. During the signing process, I was presented with multiple documents to sign sequentially, each introduced only by its general topic ; none explicitly indicated that my information would be shared with third parties. As a result, I have been inundated with numerous marketing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing a formal dispute against XXXX for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my efforts to dispute inaccurate and/or unverifiable accounts, XXXX has failed to properly investigate, leaving erroneous information unresolved. 

The CFPBs recent lawsuit against XXXX highlights systemic issues that align with my experience, including failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate notification of dispute outcomes. My attempts to resolve this matter directly with XXXX have been unsuccessful, and I am now seeking regulatory intervention. 

I request that all disputed accounts be removed from my credit report immediately, as they are either inaccurate or unverifiableXXXX XXXX continued failure to comply with FCRA requirements is negatively impacting my financial standing, and I urge the CFPB to take appropriate action to ensure compliance. 

Attached, you will find copies of my dispute letters, supporting documentation, and XXXX responses ( or lack thereof ) for your review. 

Thank you for your time and assistance in this matter. Please contact me at your earliest convenience should you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a debt a collection agency called XXXX XXXX. This agency reaged my debt. My debt was supposed to be removed from my credit this year. I disputed this through experian and experian doesn't want to cooperate in this matter stating that their role is only to investigate the accuracy of the debt. According to FCRA, it's illegal to reaged a debt. And what is on my credit is not accurate. It shows that debt is opened on XX/XX/year> which is not accurate.

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 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year> I received a phone call from PNC Bank informing me for a second time that my business account application was denied due to the laws outlined in my documentation outside of the United States. I am confused about this claim, as all laws referenced in my business documentation are based on Federal law, common law, UCC law, natural law, and the Constitution. I would like to express my concern that this decision appears to be yet another form of discrimination and a violation of my consumer rights.

During our conversation, I was also told that I needed to retain a licensed attorney to prepare the necessary documentation for this type of business account. I believe it is outside the scope of PNC Bank 's business to provide legal advice, and I find this suggestion to be inappropriate. 

I then asked if I could speak to the legal department or the person responsible for making such decisions. Unfortunately, I was informed that PNC Bank could not provide me with that information. I find this lack of transparency and accountability to be deeply concerning and a further violation of my consumer rights. 

As a consumer, my rights are protected under various federal laws, including the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and privacy of consumer information, and the Truth in Lending Act ( TILA ), which promotes informed use of consumer credit by requiring disclosures about its terms and costs. The FCRA mandates that reasonable procedures are put in place to maintain the maximum possible accuracy of the information concerning the individual, which does not appear to have been followed in this case. 

During my communication with PNC Bank, I provided vital information related to my business account application. It is unclear how this information was used, and I believe this warrants further investigation. I was informed that I would receive a letter detailing the reasons for the denial of my application within 45 days. 

I kindly request that PNC Bank review its decision to deny my business account application and provide a clear explanation of the reasons behind this decision. I expect transparency and fair treatment in all financial transactions and trust that PNC Bank is committed to upholding these standards and complying with the relevant provisions of federal laws and regulations. 

Please do not hesitate to contact me should you require any additional information or clarification regarding my concerns. I can be reached at ( XXXX ) or XXXX Thank you for your attention to this matter and your cooperation in addressing my concerns about the denial of my business account application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per case XXXX you deleted all the inquiries listed on my identity theft report but one inquiry remains that was listed and should have been deleted as well. INQUIRY : XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Kikoff Inc.
State: GA

Complaint narrative:
I am filing a formal dispute against XXXX for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my efforts to dispute inaccurate and/or unverifiable accounts, XXXX has XXXX to properly investigate, leaving erroneous information unresolved. 

The CFPBs recent lawsuit against XXXX highlights systemic issues that align with my experience, including failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate notification of dispute outcomes. My attempts to resolve this matter directly with XXXX have been unsuccessful, and I am now seeking regulatory intervention. 

I request that all disputed accounts be removed from my credit report immediately, as they are either inaccurate or unverifiable. Experians continued failure to comply with FCRA requirements is negatively impacting my financial standing, and I urge the CFPB to take appropriate action to ensure compliance. 

Attached, you will find copies of my dispute letters, supporting documentation, and Experians responses ( or lack thereof ) for your review. 

Thank you for your time and assistance in this matter. Please contact me at your earliest convenience should you require any additional information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Subject : Failure to Investigate and Respond to Identity Theft Dispute within Required Timeframe Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian, and TransUnion for fa

iling to investigate and respond to my identity theft dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Details of My Complaint : 1. I was a victim of the Equifax
data breach, which exposed my personal information. 
2. As a result, I became a victim of identity theft, and fraudulent accounts have appeared on my credit report. 
XXXX. On [ XX/XX/year> ], I submitted disputes to Equifax, Experian, and TransUnion, requesting that they remove fraudulent accounts from my credit file under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ).

4. Under FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), the credit bureaus are required to investigate and respond to disputes within 30 days. However, more than 30 days have passed, and I have not received a response from any of the three bureaus.

Violations of Consumer Protection Laws : Failure to investigate and correct fraudulent information within 30 days ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Failure to block fraudulent accounts after being notified of identity theft ( FCRA 1681c-2 ( a ) ).

Failure to fulfill their obligation to ensure accuracy in consumer reports ( FCRA 1681e ( b ) ).

Company response to consumer: Closed with explanation