vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
Hi, I am filing this complaint in an effort to have several charge-off accounts from Affirm removed from my credit report. These accounts were paid in full and are over eight years old. Despite multiple attempts to resolve this directly, the issue remains.

Affirm continues to report these accounts as charge-offs, even though they are outdated and settled. Ive contacted the credit bureaus, who have directed me back to Affirm. Affirm, in turn, insists the reporting is accurateyet based on the age and payment status of the accounts, it should no longer be affecting my credit report.

To make matters worse, Affirm is now actively marketing to me and trying to solicit my business. I want to be clear : I will not consider doing business with a company that continues to report paid and outdated accounts in a way that damages my credit. 

I respectfully request that this matter be investigated and that these accounts be removed from my credit report as they no longer meet the standards for valid negative reporting. 

I also had fraudulent activity attached to my name, which I have already filed a police report for. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
House. Was paid off in 2021 and still reporting late payments its against 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is about inaccurate and/or incomplete reporting by XXXX/Equifax related to an account from XXXX XXXX Credit Card .

The account shows up on my XXXX report but reflects no account balance, no payment history, and no statusmaking it incomplete and misleading.

On Equifax, the account displays an inaccurate payment history.

I disputed this with both CRAs and the furnisher, and the response came back 'updated ' with no actual correction made.

This violates the FCRA, which requires CRAs to ensure that all information furnished is complete and accurate under 15 U.S.C. 1681i and 1681s-2 ( b ). 
I am requesting that XXXX ( or Equifax ) either correct the account with full, accurate data or delete the tradeline if the furnisher can not provide proper documentation. *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding suddenly began contacting me daily 4 to 5 times a day by phone, text, and email regarding a debt I was never properly notified about. I was never informed via USPS mail that the original account from XXXX XXXXXXXX XXXX was sold or transferred to LVNV. The calls came from multiple area codes ( XXXX, XXXX, XXXX, XXXX etc.. ) and my caller ID still says XXXX XXXXXXXX XXXX . 

I contacted LVNV by email to request validation of the debt and offered to settle the account in good faith. I asked for written documentation including the original signed agreement, the chain of custody from XXXX XXXX, and a payment breakdown. They never responded, but the excessive phone calls, texts, and emails continued until I sent another email demanding they stop. After that, all contact stopped, but I still received no response or documentation. 

This constant contact without proper debt validation, and without following FCRA and FDCPA guidelines, is harassment and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: NY

Complaint narrative:
Company KICKOFF LENDING LLC Charged off account XXXX XXXX  written off past due I never opened this accoutn or have any knowledge why is it on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have multiple accounts with Capital One, to include checking, savings, and a auto loan. To my knowledge, every account and interaction with them is in good standing, meaning no delinquencies or late payments. 

On XX/XX/XXXX, I inadvertently selected the wrong banking information for the electronic payment that was due, on XX/XX/XXXX, for my credit card. I was made aware of the error and corrected it. The corrected payment posted to my account on XX/XX/XXXX. 

When reviewing my account some days later, I noticed that I had been charged a {$29.00} late fee for my payment posting XXXX day late. 

In the XXXX years of using my established credit through various companies, it was always my understanding that the consumer was provided a small grace period, ( XXXX days ), to allow for payments before being penalized a late fee. 

When I spoke with the company, they stated that, even with my outstanding history with them, they had opted to provide no grace period, and that they fee would remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have advised this collector multiple times that my personal information was stolen in a home invasion and provided a police report as well as involved in a data breach several times. This is not my debt and this creditor has continued to harass me and report to the credit bureaus regarding this inaccurate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In accordance with the fair credit reporting act the creditor has violated my rights under 15 usc1681 section 602 states you have the right to privacy 15 usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EGL US, LLC
State: FL

Complaint narrative:
BMG Money said I was late XXXX. I initially set up direct deposit so they can draft my bank on their third party website. That never happened but I received a confirmation through email stating that my draft through my bank was set up..Everyone so far Ive spoken to has given me different information and no one contacted me back from their email that I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: WA

Complaint narrative:
my car was taken then then they sold it at auction and never sent me a litter telling me how much they sold my car for. I made more than XXXX payment and what the are reporting is only showing i only paid XXXX on the whole loan and they didn't get nothing on when the sold the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: VA

Complaint narrative:
In two near-in-time instances, my US Bank card was charged nearly identical amounts from the same vendor on the same date. These charges were erroneous, as I had only made one purchase from each vendor. In one case, it was a restaurant, yet US Bank would have you believe I bought two dinners for nearly the same amount on the same night from the same restaurant. US Bank refuses to credit either of them. The fact that this has only happened on this card, and with two different vendors in short succession, makes me suspect that it is a problem with US Bank 's system rather than individual merchants. This might merit an investigation by the CFPB.

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 2025-04-12 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX my card was charged for a transaction at XXXX  - XXXX XXXX XXXX in the amount of {$230.00}. There was another fraudulent charge on XX/XX/XXXX in the amount of {$96.00} to XXXXXXXX XXXX XXXX XXXXXXXX. I did not make these transactions and so I filed a fraud report with chase, they froze my card and sent me a brand new one. On XX/XX/XXXX and XX/XX/XXXX I received a notice from chase that I was responsible for the transactions and they charged me for it. This is wrong!!!! I have never had an issue with chase before and I can not believe that they would be so unhelpful on this. Upon doing some research, it seems Im not the only person who has had this issue with Chase, seemingly many clients have had this same issue even after filing a police report. Do better chase!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.

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 2025-04-12 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: Global Lending Services LLC
State: NC

Complaint narrative:
I been intentionally reported as having a Vehicle that was reported as repossessed. I never purchased such vehicle..

My personal belongings were stolen in 2015 and there has been countless fraudulent reports to my credit..from utilities, rentals, and vehicles.

I am in process in seeing how to obtain a new ssn if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I reached out to the company AFFIRM INC Contact Info : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, because I noticed there was an account open under my name which I have never opened XXXX at the time in XXXXXXXX 2020 because I was out of the country taking care of family at that time, I even had to close my bank account because I seen money being taken out. I reached out to the company and they informed me the information that was there was correct about me when I informed them my identity was stolen on a data breach in resulted in me doing a identity theft report at federal trade commission FTC Report Number : XXXX, problem still remained unsolved and on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Please delete anything on my credit that is not valid in 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
My student loan amounts continue to rise with no explanation. I am on the SAVE plan which means I am on a 0 % forbearance period and should not be accruing any interest. This has been communicated to me since my loans were put on a forced administrative forbearance. My unpaid interest amount on XX/XX/year>, listed on the Student Aid website, was in the amount of {$2000.00}. Today, XX/XX/year>, my unpaid interest amount is {$8400.00}, an increase in the amount of {$6400.00}. I have been provided no explanation as to why my loans and interest rates are riddled with errors. More recently, my credit score has dropped due to my loan amounts increasing, incorrectly, and being reported to credit bureaus. I spoke with my student loan provider, XXXX, and was told that this should be addressed with Federal Student Aid. I was told that it will " eventually be corrected. '' There has been no timeline offered or explanation as to why my loan amounts have suddenly changed during a 0 % interest period. I'm terrified that mistakes in this degree are happening. Unless this is corrected as soon as possible, my loan amount will continue to increase and affect my credit score.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-04-12 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$22000.00} & XXXX XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX XXXX Balance : {$22000.00} & XXXX XXXX XXXX Balance : {$22000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed this account because it is fraudulent and I have also filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on this account. Who did you interview to come to this conclusion that this was my account? This is a violation.

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