vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to request detailed verification of the negative items reported on my credit report. Specifically, I need to understand the methods used to verify this information. Please provide the following : 1. Documentation of how this account was verified, including all supporting methods. 2. Proof of the debt, including the original contracts with wet signatures. 3. An explanation of how the accuracy of this information was determined, particularly in light of any discrepancies. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information should not be reported on my credit report without a proper investigation. If there is a discrepancy, this item must be removed. As the reported charge-off appears to be incorrect and claims I still owe the debt, I am requesting that this be corrected or deleted to comply with the FCRA. Please provide the requested information within the required timeframe to avoid legal action for any potential violations, including seeking statutory damages. Thank you for your prompt attention to this matter. The negative items are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Again, how were items verified? I need all methods of verification for these. Where is the proof? Where are the original contracts with wet signatures? Without a proper investigation, negative items should not appear on my credit report. Please provide this information to avoid legal action for these violations because according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Also, according to FCRA section 605b, it is illegal to report information on my credit report without my permission.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It has come to my attention that my personal information was impacted by a national data breach. After reviewing my credit reports i noticed some accounts i am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed i have submitted an FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, XXXX report showing my information being exposed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
It has come to my attention that my personal information was impacted by a national data breach. After reviewing my credit reports i noticed some accounts i am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed i have submitted an FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, XXXX report showing my information being exposed.

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 2025-05-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made a purchase through XXXX on XXXX XXXX, 2025 ( Order # XXXX ) using Affirm as the financing option. The total purchase amount was {$250.00}. I later returned the item through XXXX, and on XXXX XXXX, 2025, the XXXX  app confirmed that the return was completed and the refund request was submitted. 

Since then, Ive contacted both companies multiple times to resolve the issue. XXXX insists that the refund was issued and that it is Affirms responsibility to reflect it. Affirm, on the other hand, states that they have not received any refund and are still charging me for the item. 

So far, I have already paid {$86.00} to Affirm, and they are still billing me for the remaining {$170.00}. I no longer have the item, and it was properly returned a month ago, yet Im being charged for a product that was returned and confirmed. 

This ongoing issue has lasted nearly two months. Im now late on payments, which may affect my credit. I am simply requesting that the refund be properly applied to my Affirm account and the remaining balance be removed. I am also asking that any late fees or credit penalties be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} Inquiries XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXXXXXX XXXX Date : 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 2025-05-22 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:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} Inquiries XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXXXXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: UT

Complaint narrative:
I am having issues with a XXXX account for myself and my wife. We apparently were co signers on my son 's student loans. We never had any issues as he's been enrolled in school so the payments were always deferred. We recently noticed that there were new lates on the student loans and they were inaccurate. He was still enrolled in school so they were supposed to be in deferment due to this. We talked to XXXX and got the accounts deferred to XXXX since again he is still enrolled in school but is now on summer break before he goes back. They insist this was not their error but they are in a current lawsuit due to this exact issue, they keep reporting inaccurately and I am hitting a wall with them and need these lates removed.

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 2025-05-22 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: UT

Complaint narrative:
I am having issues with a XXXX account for myself and my wife. We apparently were co signers on my son 's student loans. We never had any issues as he's been enrolled in school so the payments were always deferred. We recently noticed that there were new lates on the student loans and they were inaccurate. He was still enrolled in school so they were supposed to be in deferment due to this. We talked to XXXX and got the accounts deferred to XXXX since again he is still enrolled in school but is now on summer break before he goes back. They insist this was not their error but they are in a current lawsuit due to this exact issue, they keep reporting inaccurately and I am hitting a wall with them and need these lates removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint because I contacted the original creditor regarding an account on my credit report. I explained that I am fully willing to pay the balance in full in good faith if they would agree to remove the negative late payment history. However, they stated they would take the money but refused to remove the late payments. 

I understand I am responsible for the debt, and I am not disputing the existence of the account. What I am challenging is their refusal to update the account based on a reasonable and mutual resolution. This is damaging my credit despite my efforts to resolve it properly. 

I believe this violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681s-2 ].

Reporting a derogatory history after full payment without offering any path to rehabilitationdespite my attempt to resolve the mattercan be interpreted as punitive and not in alignment with fair credit practices or the intent of XXXX XXXX compliance standards. 

I am requesting that the CFPB investigate this matter and require the company to either : Remove the late payments after full payment is made, Or stop reporting the negative marks if they are unwilling to work with a consumer making a good faith effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
My federal student loans are currently in forbearance, but one or more credit reporting agencies are incorrectly marking them as delinquent. XXXX placed my loans into deferment beginning XXXX XXXX, 2025, and applied retroactive administrative forbearance to cover any missed payments prior to that date. Despite this, the credit bureaus are reporting missed payments from early 2025, which is inaccurate. 

These delinquencies violate federal reporting guidelines for loans in deferment or forbearance and are seriously damaging my credit score and financial health. I have not missed any payments, as no payments have been due. My credit score has dropped by over XXXX points as a result of this error. 

I request immediate correction of my credit reports to reflect the accurate, current status of my loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data Search NY, Inc.
State: IL

Complaint narrative:
This is a formal update to my original complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX 

At the time of my prior filing, I was unaware of critical facts that have since come to light. I am now submitting newly confirmed evidence establishing : 1. A total of {$83000.00} in post-charge-off credits and balance reversals were executed on my account under Claim ID XXXX XXXX. These reversals were triggered without my knowledge or consent 3. A XXXX XXXX, 2025 recorded phone call with XXXX XXXX XXXXXXXX Fraud Supervisor XXXX confirms : I did not initiate the fraud claim The claim was classified internally as application fraud A credit of {$7500.00} was issued based on that classification XXXX  logs show the claim originated from XXXXXXXX XXXX XXXXXXXX, then a third-party vendor, later identified as XXXX via XXXX of the fraud department that same day. 

This call directly contradicts claims made in court by Plaintiffs counsel and proves the case being pursued against me is based on a fraudulent attribution of actions I never took. 

Most importantly : XXXX  responded to the CFPB on XXXX XXXX, 2025, but failed to mention their involvement in Claim ID XXXX They did not dispute their role despite being named in prior affidavits and submissions They did not address the newly uncovered balance manipulation or XXXX own internal fraud classification Their response relied solely on the fact that a state court struck my identity theft affidavit on technical groundsnot that the fraud didnt occur This demonstrates intentional concealment of identity theft-related misconduct, which has directly led to litigation being pursued under false pretenses. 

Please see attached Exhibit A, which contains direct quotes from a recorded conversation with XXXX XXXX XXXXXXXX fraud manager, XXXX. In this call, XXXX confirms that the fraud claim at the center of this litigation was not initiated by me, but by a third party. The transcript also confirms that {$7500.00} in credit was issued based on XXXX internal classification of the account as application fraud. At the time of this call, I had not yet filed the original CFPB complaint and was unaware of the total balance misattribution now confirmed to exceed {$83000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-05-22 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: AZ

Complaint narrative:
I am requesting deletion of fraudulent accounts that appeared due to a breach of my personal data. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/scrub>XXXX  2024 applied for modification and this company had to wait almost a year to approve it because they needed a appraisal when I finally sent the modification they said because pages 1-4 weren't submitted they resent the modification for me to resign which i i sent the completed document to their attorney XXXX XXXX XXXX XXXX since he contacted me in XXXX in regards to foreclosure not a response from him Ethier. 

I called earlier last month to make a payment rep tells me to wait till XXXX i called in earlier this month nothing only until today a rep informed the situation. The portions of the modication that warrant legal signatures are valid and the other 4 first pages can be reproduced i cant belive mr cooper could send a letter a email like they did every single month when they delayed my modification lie this is so predatory

Company response to consumer: Closed with explanation