vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is invalid and should be eliminated from my file right away. I did not consent to its creation. Attached are my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
This account doesnt belong to me, and Id like to have it reviewed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX, ( My property address is XXXX XXXX XXXX, XXXX NJ XXXX ) I was granted XXXX funds for the full amount of {$75000.00}, which was paid to XXXX XXXX Bank. A few months after XXXX received the XXXX FUNDS and I was making payments to them as well, until I came into another hardship where I left my job to pursue the police XXXX. They sold and transferred my loan to XXXX & XXXX back for an amount over or around XXXX. I was told by XXXX XXXX bank that majority of my XXXX funds were going to be sent to escrow, I was behind on my HOA fees and none of the {$75000.00} was given to my XXXX ( XXXX XXXX ) from XXXX XXXX bank so that my house would not be in jeopardy of having any liens on my home. Unfortunately my house is now in active foreclosure from XXXX & XXXX bank because I fell behind on the XXXX fees and werent able to make a payment on time with the payment arrangement that I had in agreement with the XXXX, therefore the XXXX put my home up for sheriffs sale which Ive done every thing that I could do to the best of my knowledge to save my home, my home was actioned off to a XXXX and now XXXX & XXXX bank cant do anything because the deed is no longer in my name. M & T bank is telling me to go to XXXX XXXX to get the deed transferred back to me name so that they can further assist me. Ive submitted everything to the courts, where I had a hearing before the XXXX yesterday XXXX where I expressed my case and presented all the documents that shows that something is not right. 
I was granted until XXXX XXXX to figure out my living situation, before the sheriffs are allowed to come and lock me out of me and my familys home and officially make the bider the new home owner of my property ( XXXX corwen court, XXXX Nj XXXX ). Me and my family have resided here for over 7 years it will be 8 years in XXXX. To think that XXXX really on the verge of losing my home after I poured my all into it and everything that I have, my entire life is here, and knowing everything that I have encountered while residing at my home and how I fought even after all the trails and tribulations to save my home, is devastating and heartbreaking! If someone can please contact me back at you alls earliest convenience, me and my family would greatly appreciate it, for our home is on the line. 

Thank you Kindly! 

With Best Regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX NJ 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In reviewing my credit report, I have come across numerous errors with my name and address. My correct name is XXXX XXXX XXXX XXXX. The only address that should be listed is XXXX XXXXXXXX XXXX XXXX XXXX Please remove all employment history and old addresses that are associated with someone else. Enclosed is a copy of my driver 's license with my current address.

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 2025-10-08 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
I call the company on XXXX  XX/XX/XXXX to revoke the convenience fee ( ACH authorization ) due to losing my job. The gentleman I spoke to was pushy but stated he would put in a ticket and it could take up to 3 business days to process. My payment was still withdrawn from my account. I called this morning and spoke to someone else. She could see that I spoke to someone on XX/XX/XXXX but a ticket was never put in. She said she could put a ticket in and request a refund but cant guarantee it. She said even if I request the XXXX authorization to stop that since its a debt if my payments arent made on time they are still allowed to debit my account per my loan agreement. I read the convenience fee letter that was signed and it does not say that!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-08 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
The account in question was reported by Affirm , Inc. ( also operating as Affirm Loan Services, LLC, XXXX XXXX, CA ). Both entities share the same address and are responsible for the accuracy and verification of this tradeline. 

Between XX/XX/XXXX and XX/XX/year>, I submitted written disputes to Affirm , Inc. and XXXX by certified mail regarding a disputed account ( partial account no. XXXX / XXXX ). 
Despite my certified dispute ( green card signed XX/XX/year> see Exhibit XXXX ) and enclosed proof of identity ( Exhibit XXXX ), Affirm continued to report this account without verifying its accuracy or providing any documentation supporting their reinvestigation. 

Affirm violated the Fair Credit Reporting Act ( FCRA ) by : Failing to conduct a reasonable reinvestigation ( 623 ( a ) ( 1 ) ( D ) ) ; Failing to provide XXXX with substantiating documentation ( 611 ( a ) ( 2 ) ) ; and Continuing to report unverifiable information ( 611 ( a ) ( 5 ) ( A ) ). 

My dispute letter ( Exhibit XXXX  ) clearly showed that Affirm used outdated or incorrect alias addresses ( XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, TX ) that are not associated with my current legal identity ( XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX ). 

Affirm has ignored multiple verification requests and continues to furnish data through e-OSCAR without proper validation. This is a systematic verification failure. 

I am requesting : Removal of this Affirm tradeline from all consumer reports ; Disclosure of the method of verification under FCRA 611 ( a ) ( 7 ) ; and Regulatory review of Affirms reinvestigation process under 12 CFR 1022.43.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no link to the named creditors and did not provide authorization for this inquiry. Please delete it immediately.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Creditor name : XXXX XXXX # XXXX Date charged-off XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act, negative information such as a charge off should be reported only once, reflecting the date it was charged-off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provided ( 15 USC 1881 a ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge off seven years from the date of the initial delinquency that led to the charge0off ( 15 USC 1681 c ( a ) ( 4 ) ). Repeatedly reporting this charge off as a new each month does not reflect the statute of limitations and therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing this entry from my credit report. Please provide a me a detailed description of the procedures you used to determine the accuracy and completeness of this information per USC 15 1681i ( a ) ( 6 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Home Loan Center, Inc.
State: NY

Complaint narrative:
Lending Tree sent my information to a bunch of third parties that ended up running hard credit checks without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had a total of XXXX dollars in my XXXX XXXX XXXX in XXXX in credit. I woke up it was all gone I took out XXXX but my credit line was up to XXXX on my pay .They told me my money would come back next direct deposit that never happen.Thie features on Chime is like a scam I than took money out they was given to me by job chime a take the money cant tell me why just say its going to refresh in your money will be given to you next direct deposit.They take your money add it to their features such as spot me and my pay in someone else controls how much you receive and can take out my bills was due and all they took all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing this claim due to zelle being sued in the CFFB lawsuit that highlights significant issues on the platform. Even though I use zelle frequently they still failed to investigate my claims thoroughly. I was informed any lost funds were going to be unable to be recovered. The CFFB is finding that zelle is neglecting its customers and refusing to protect its customers and keep repeat offenders off the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OK

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : CREDENCE RESOURCE MANAGE

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 2025-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: CO

Complaint narrative:
I was duped into signing up for and acquiring a loan for a cyber security program being held by the school called XXXX which used Climb Credit as its lender. Both of which have been subject to lawsuits since I attended. This school advertised a job placement program that did not exist and the education itself Im now realizing was extremely subpar, as in useless to the progression Im getting into. Now that loan is with a collector and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My consistent record of timely payments should be properly represented. Its discouraging to see such an oversight.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my Equifax credit report and discovered that it contains outdated and inaccurate personal information that does not reflect my current residence. Specifically, my report lists two old addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, and XXXX XXXX XXXX XXXX, XXXX FL XXXX which I have not used for several years. 

Maintaining these outdated addresses in my credit file is misleading and creates unnecessary risks of misidentification and verification failures when applying for credit, housing, or other financial services. These inaccuracies have already caused delays in credit processing and complications during identity verification checks, which directly impact my creditworthiness and financial stability.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), Equifax is legally required to ensure that all consumer information in its records is accurate, complete, and verifiable. I submitted official documentation including my government-issued ID, utility bill, bank statement, and phone bill all confirming my correct and current address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX 

Despite this, Equifax has not removed or corrected the outdated address information, which violates the FCRAs duty to maintain maximum possible accuracy and to correct unverifiable or obsolete data. The presence of this incorrect information continues to harm my ability to maintain an accurate credit profile and causes ongoing inconvenience and risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief