vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX offered a XXXX XXXX  card ( comenity ) to buy a pet. They told me we had a XXXX no-interest period, and after the XXXX  years, we would start paying interest. But now I received a {$3800.00} interest upcharge from accumulation over the XXXX  years, which I was told was not going to happen when I got the card. I called them, and I said I did not know that. I could pay whatever I owed on the card and pay it off, so they can take away that interest that I was told would not happen. But they said no. That will need to be paid, or I could sue them. I am trying to pay the original debt, so they take away that abusive interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
It is extremely distressing to work hard and manage finances responsibly, only to check my credit report and find it filled with erroneous information. These inaccuracies have had a direct and harmful effect on both my credit score and my daily life. My credit is a vital lifeline in emergencies, and with each paycheck being critical, the impact is overwhelming.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am submitting this formal complaint against Midland Credit Management , Inc., a debt collector currently reporting a collection account on my XXXX  credit report. The alleged debt has not been properly validated, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ).

Debt Collector : Midland Credit Management , Inc .

Balance Reported : {$1100.00} Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Credit Bureau : Experian ( as of XXXX XXXX I formally requested Midland Credit Management to validate this debt and provide the following : A copy of the original signed agreement bearing my signature Proof that they are the legal assignee or purchaser of the debt A full itemized statement showing how the balance was calculated Evidence of licensing to collect debts in Louisiana To date, no such documentation has been provided. Despite this, Midland continues to report the account to XXXX, causing ongoing harm to my credit rating and violating the FDCPAs requirement that collection efforts must cease until validation is provided.

This is a clear violation of consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I noticed that a virtual card had been issued from Affirm to the XXXX XXXX XXXX XXXXXXXX for XXXX. I disputed the charge and contacted the business. I was informed by the business that no such transaction existed and they sent me the information in writing. I forwarded the E-mails to affirm and they said I am still responsible, even with the written documentation from the business. Their dispute process is intentionally difficult and I had to make no less than 10 calls to even get the dispute looked at by Affirm. I do think that someone from inside the company is stealing money with all of the information that is required to make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : 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 explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, which are reflecting inaccurate information on my credit report. As outlined under USC 1681g, I am requesting that these accounts be removed within 15 days. Enclosed are all relevant documents for your review. It is also important to note that the data being reported differs significantly and inaccurately among the credit reporting agencies.

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I recently received a transfer of {$300000.00} to my Coinbase account in the form of USDC. I transferred this amount to USD in order to transfer it to my bank account for use, but as soon as I started to go forward with this process, Coinbase locked me out of my account completely. At first I thought it was some sort of verification to ensure I was me- but I quickly realized it was a complete account lockup with no easy solution, which thousands of others seem to have experience with as well. I have been on the phone with their " costumer support '' three times, each for over an hour. All three calls ended with a promise that they would have it solved within 2-3 days. Still, nothing. I've been back and forth with their email support. Same thing. Nothing. I've even tried requesting help from their XXXX messenger. Still, nothing. I don't know what else to do now. I need this money and I am completely stuck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am also requesting to remove all the address that are not mine, I only this address and no other should be in my credit. I have attached my proof of address and my supporting documents.

I am formally requesting the immediate removal or correction of multiple inaccurate and unauthorized items currently listed on my credit report, which appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i ( Dispute Procedures ) and 1681s-2 ( Responsibilities of Furnishers ). The following accounts are reporting late payments that never occurred : XXXX XXXX ( Acct. No. XXXX ), XXXX XXXX ( Acct. No. XXXX ), XXXX XXXX ( Acct. No. XXXX ), XXXX XXXX ( Acct. No. XXXX ), and XXXX XXXX ( Acct. No. XXXX ). I dispute the reported late payments and request full deletion of these inaccuracies as they are not based on verified, complete, or accurate data, violating FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reporting.

In addition, the account listed under XXXX XXXX XXXX ( Acct. No. XXXX ), which has already been paid off, is still showing a derogatory status. This misrepresentation is not only inaccurate under FCRA 1681i but also violates the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1601, which aims to protect consumers from unfair credit billing practices. I request a full investigation into this entry and demand either documentation justifying its presence or immediate removal from my file. Continued reporting of false or misleading information may result in further action as allowed under federal consumer protection laws.

Furthermore, I noticed a concerning number of unauthorized credit inquiries listed under my report, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others. These inquiries were not initiated or authorized by me and violate FCRA 1681b, which governs permissible purposes for accessing a consumer report. These unauthorized hard inquiries are negatively impacting my credit standing and must be removed immediately. Please conduct a full investigation and provide the verification of permissible purpose for each. If none can be provided, delete them without delay as required by 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 2025-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I have an FHA-backed mortgage serviced by XXXX  Mortgage . I contacted XXXX  on XX/XX/year>, and again via email on XX/XX/XXXX and XX/XX/XXXX, to request review under HUD Mortgagee Letter XXXX for COVID-19 Recovery Forbearance due to imminent default. I also called and spoke with loss mitigation representatives multiple times ( XX/XX/XXXX, XXXX, and XXXX ), each time being told a supervisor would call me back in 23 days. No supervisor has contacted me as of XX/XX/XXXX. 

During my XX/XX/XXXX call, the agent told me I would have to be 6162 days delinquent before XXXX would even consider reviewing my hardship request. That directly contradicts HUD guidance, which allows for imminent default forbearance review prior to missed payments.

Additionally, I have two FHA loans on this property. XXXX has only referenced one loan, despite my efforts to ensure both are addressed under the same forbearance request.

I have escalated this to HUD, who confirmed they contacted XXXX and requested a supervisor follow up with me. Despite this, I still have not received a response. I am being stonewalled by XXXX and denied timely access to the XXXX Recovery Forbearance options I am eligible for under federal guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit history and life

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to an ATM at the Chase branch located at XXXX XXXX XXXX XXXX in XXXX, Texas XXXX, and deposited {$3400.00} into the ATM. The atm then said there was an error and to contact the bank at the provided XXXX number, which I did, and they said that nothing could be done until XX/XX/XXXX. I informed them that this was not fair, I needed the money to pay rent because we were moving, and they said they would " try to expedite it '' before Friday. I informed them I needed the money before Thursday for rent and they said that there was nothing they could do, and that due to the amount being " so large '' that they could not temporarily credit anything to my account. I then spoke with the branch manager who informed me that they can't control anything with the ATM 's and that it was only Corporate Chase that could handle these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
To Whom It May Concern, I have encountered a tremendous financial hardship and have unfortunately incurred a predatoty with the tribal lender XXXX, with whom I've paid back numerous loans early/on time prior to becoming aware of the predatory nature of these loans under Ohio state law. 

Despite their widely known " Rent a bank scheme '', BlueChip Financial, through its subsidiary XXXX, has been involved in class action lawsuits related to high interest rates and alleged violations of consumer protection laws. One notable case involved allegations that XXXX  charged illegal interest rates on short-term loans, with some reaching as high as 460 %. The company has also faced scrutiny for its lending practices, including claims that it operated as a " rent-a-tribe '' scheme to attempt to avoid state and federal regulations.

I am willing to incur taxes incurred in exchange for a debt waiver, and waive any further claim/complaints. Despite XXXX  claims, per communication with my state Attorney General, state regulatory bodies, and personal counsel, this loan is not enforceable in my state. I will continue to pursue to the fullest extent unless a resolution is reached and this matter is resolved. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I received a loan of XXXX placed into a wire transfer Into PayPal as a banking establishment they refuse to refund to me fraudulent charges. As the money has been somewhat refunded PayPal and master card refuse to allow me to withdraw the account as this is my money. Over XXXX dollars sitting there they will not give me a reason of why as they said it was me that stole my own money. I was only asking them to review the charges I never made. My purse was stolen, my phone my wallet with my id. As well many charges came through online gas stations I don't even own a car. I would like for PayPal to pay back the stolen money they are stealing from me. I can not provide dates as they refuse to let me delicate my own checking account. Paypal has been involved in racketeering, piggy backing affiliates and stealing commissions as the worst stealing from their own account holders. As of XXXX  many class action lawsuits. I would never ever ever let anyone in my life or family have a PayPal and I hope they close.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC System , Inc. is reporting a collection account to the credit bureaus that does not belong to me. I have never had any account or financial relationship with the original creditor or with IC System, and I have no obligation to repay this debt. Despite this, IC System has placed a negative account on my credit report without verifying its accuracy, and without any proof that I owe this debt. I am stating that the account is fraudulent and not mine, and I want it removed immediately.

Their conduct has already caused damage to my credit score and emotional distress. I believe they are in violation of federal and state laws, including : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, for knowingly furnishing inaccurate information and failing to properly investigate disputes ; Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, for misrepresenting a debt and engaging in unfair collection tactics ; South Carolina Unfair Trade Practices Act ( SCUTPA ), S.C. Code Ann. 39-5-20, for deceptive and unfair reporting practices ; South Carolina Consumer Protection Code, S.C. Code Ann. 37-5-108, for unconscionable debt collection and credit reporting behavior.

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 2025-07-14 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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