vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian, Equifax, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law and provides consumers with the necessary proof of investigation. I XXXX XXXX, a consumer, am notifying you that I dispute these alleged debts pursuant to 15 USC 1692G. I request that you provide to me verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths and statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed through the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with Experian, Equifax, and Transunion. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Pursuant to 18 USC 8, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 USC 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15USC1681 4. These are the accounts that I've marked as inaccurate and need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
b'For 3 years I have been going back and forth regarding this account that keeps sending threats and continue calling my home, work I payed this account off 3 1/2 years ago.  I cant take this anymore I get sent a statement with zero on my account and couple months after that I get call and threats that it will collections???   Please help!'

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 2025-06-10 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:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-10 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Craine & Weiner Credit Collection Agency sent me an email on XX/XX/year> that I owe you {$120.00} for a claim from an insurance Company called XXXX. This email was read by me the next day on XX/XX/year> to which, on the same day, I responded that this is fraudulent and not any debt I owe. Essentially, I denied the validity of this claim in its entirety within the thirty days required to answer the solicitation. 

Instead, this company on the same day they solicited a sum of {$120.00}, they reported me to all three credit bureaus without giving me a chance to look into this claim and provide an answer after the needed due deligence on my part. This company 's acion is Illegal and deceitful. 

I would like to request your respected office to investigate this shay business and if found that their action was wrong or illegal, to take appropriate action to discipline them so that others do not fall victim to their questquinable practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: UNITED MORTGAGE CORP
State: CA

Complaint narrative:
My phone number is on the Do Not Call list. As soon as my credit was hit by our mortgage broker for a refinance exploration, I started getting 3-8 calls per day from a company called United Mortgage . My broker does not work with United Mortgage. I block every phone number they try to call me on, but they keep spinning new phone numbers to call me with their spam telemarketing

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
During XXXX and XXXX during XXXX my famly was under extreme hardship. Due to this we had some issues paying the full amount or anything on some debt. I was upfront with Santander and they agreed for me to do the best I could. I did miss payments but was always in contact with them. 

Sice that time we have not missed any payment of any kind in 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Equifax is currently reporting three charge-off accounts on my credit file that I dispute as inaccurate, outdated, and not properly verified in accordance with the Fair Credit Reporting Act ( FCRA ). The first is from XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/2021, with a charged-off balance of {$670.00}. The second is from XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/2021, showing a charge-off for {$520.00}. The third is from XXXX, XXXX, account ending in XXXX XXXX XXXX dated XX/XX/2021, with a reported charge-off amount of {$3700.00}. 

I dispute the accuracy and completeness of all three entries. I have not received any documentation validating these charge-offs nor proof of the original debt agreements, payment histories, or the date of first delinquency. These accounts have continued to remain on my report despite my attempts to challenge their validity, raising serious concerns that Equifax has failed to meet its obligation to conduct a meaningful reinvestigation under federal law. 

This lack of verification is especially troubling given recent findings by the Consumer Financial Protection Bureau ( CFPB ), which have brought to light serious concerns regarding Equifaxs repeated failure to perform legitimate investigations. In a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of any disputed item within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. 

Continuing to report these charge-offs without providing proper validation harms my creditworthiness and constitutes a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

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 reporting agency, 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 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 : {$760.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXXXXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I applied for and was approved for an auto refinance loan on XX/XX/year>. From this date Upgrade began charging me interest but did not disburse the loan until XX/XX/year>. Therefore I was having to pay interest on a loan I had not received while also paying interest to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
Equifax is currently reporting a derogatory charge-off from XXXX  XXXX with an account number ending in XXXXXXXX XXXX XXXX dated XX/XX/2023, with a balance of {$840.00}. I dispute the accuracy, completeness, and current relevance of this reporting. This charge-off entry contains insufficient documentation, lacks verification, and continues to reflect as a negative mark despite unresolved questions regarding its accuracy. I have not received adequate supporting documentation from Equifax or the furnisher substantiating the validity of this entry or confirming its proper reporting status. 

Additionally, the timing and nature of this item raise significant concerns. It is entirely possible that this derogatory entry was the result of broader systemic issues within the data-handling or credit reporting process, including but not limited to the widespread data breaches that have plagued the industry. When inaccurate, incomplete, or outdated information is reported to the consumer reporting agencies, it not only misrepresents my financial responsibility but also unfairly lowers my creditworthiness in the eyes of creditors, lenders, and other stakeholders. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to perform a full, prompt, and reasonable reinvestigation of any disputed information on a consumer 's report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any item that can not be verified or is found to be inaccurate or incomplete must be deleted or corrected. Equifax 's current reporting of this charge-off fails to meet these standards.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
This is the original letter sent to via certified mail to Affirm and via their email address All I want is a payment plan that affordable as set below due to my current XXXX Date : [ XX/XX/year> ] To Whom It May Concern, I am writing to formally request a hardship payment plan regarding my Affirm account, for which the outstanding balance is {$4600.00}. 
Until XX/XX/year>, I maintained a perfect payment history and was a responsible Affirm customer. Unfortunately, in XX/XX/year>, I was hospitalized and diagnosed with a life-altering XXXX. Since then, I have been unable to work and now rely solely on a fixed monthly XXXX income of {$940.00}. 
Due to these unforeseen and permanent changes to my health and financial circumstances, I respectfully request that Affirm consider the following payment plan : Proposed Payment Plan : Monthly Payment : {$150.00} Term : XXXX months Paid on XXXX Every Month ( This is my XXXX pay date ) This amount is the maximum I can afford under my current financial situation. I am committed to repaying the debt and want to work directly with Affirm to resolve this matter responsibly. I am requesting that this plan be set up through the Affirm app to allow me to make the monthly payments promptly. 
Additionally, I request the following : Suspension of negative reporting to credit bureaus while the plan is in good standing Removal of any current derogatory marks from credit report bureaus No collection activity while this plan is active and in compliance Please understand this letter is a formal attempt to resolve my obligations. If no agreement is reached, I may be left with no option but to pursue XXXX XXXX bankruptcy. As you are aware, this XXXX result in the discharge of this unsecured debt. I am making every effort to avoid that outcome and to ensure Affirm is repaid in full under fair terms. 
This message serves as notification that I will be making XXXX additional attempts to address and correct the debt currently reported under my name. These will constitute my final outreach efforts to resolve this matter directly with Affirm. 
Should I not receive a response or resolution after these attempts, I will pursue removal of any negative credit entries through the credit bureaus directly, as permitted by law. 
Additionally, I have submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) and requested their assistance in helping reach a fair resolution. I sincerely hope Affirm will consider responding in a timely and compassionate manner to prevent further hardship. 
I have also sent a message to customercare @ affirm.com Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently reporting multiple derogatory collection and charge-off accounts that I dispute as either inaccurate, unverifiable, or misleading. These accounts include XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, with a balance of {$3100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$7600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$3300.00} ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, with a balance of {$1000.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with a balance of {$1000.00}. 

The presence of these entries is causing substantial harm to my creditworthiness and appears to be riddled with issues that violate the Fair Credit Reporting Act ( FCRA ). For example, the XXXX account XXXX being reported with a {$0.00} balance yet continues to carry derogatory status, which is misleading and unjustified. The XXXX XXXX account appears to be recently added and is highly suspect given the absence of any verified contract, service, or transaction under my name at that time. Similarly, the older accounts like XXXX XXXX and XXXX are nearing or may have already exceeded the federal statute of limitations for reporting negative information under the FCRAs seven-year rule ( 15 U.S.C. 1681c ( a ) ).

Many of these debts have not been verified with proper supporting documentation. TransUnion, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), is required to conduct a thorough and reasonable reinvestigation into any disputed item. If the information can not be verified with original account-level records from the furnisher, it must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ). Simply parroting the data provided by debt collectors or third partieswithout authenticating its accuracyfails to satisfy the obligations set forth by federal law. This kind of negligent reporting can often result from broader systemic failures, such as outdated records or fallout from data breaches, where personal information is compromised and reused without proper validation.

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