vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
My mortgage loan was transferred from XXXX to AmeriHome. I paid my XXXX mortgage payment to XXXX ahead of time and in full before the loan transfer occurred. 

After the transfer, AmeriHome improperly charged me again for the XXXX payment, causing a duplicate payment. I opened a formal claim with AmeriHome regarding this error. During that claim, I was explicitly told that I should NOT be charged in XXXX and that my next valid payment would be due in XXXX only. 

Despite this clear confirmation, AmeriHome charged me again, repeating the same billing error. 

I contacted AmeriHome customer service immediately after this second improper charge. I was told that : The payment is still processing There is nothing they can do at this time I must send an email to customer service and wait a few days for a response They refused to take immediate corrective action, despite the fact that this is a repeat error after prior notice and investigation. 

Additionally, I am being blocked from disabling automatic payments ( autopay ) through their system, even though these withdrawals are occurring in error. This puts my bank account at continued risk of unauthorized withdrawals. 

This situation involves : Duplicate unauthorized mortgage withdrawals Failure to properly apply payments during a loan transfer Failure to correct a confirmed billing error Denial of my right to revoke ACH authorization Improper delay under the excuse that the payment is processing I am requesting that the regulator require AmeriHome to : Immediately refund all duplicate payments Correct my account in full Confirm in writing that no further payments will be taken until my legitimate XXXX due date Allow immediate cancellation of autopay Confirm that my credit reporting has not been and will not be negatively affected This is causing financial risk, stress, and loss of trust in the mortgage servicers ability to properly manage my account after transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate and unverified tradelines being reported on my consumer credit reports. These accounts are negatively affecting my creditworthiness, and I am requesting a full investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

1. Accounts Reporting Late Payments ( Inaccurate Reporting ) The following accounts are reporting late payments that are false, inaccurate, and do not reflect my payment history. I have never made a late payment on these accounts, therefore I dispute the derogatory status and request immediate correction of the reporting history. 

XXXX Account ending XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inaccuracy : Wrongly reporting late payments. 

XXXX FIN Account ending XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Inaccuracy : Wrongly reporting late payments. 

XXXX XXXX Account ending XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$370.00} Inaccuracy : Wrongly reporting late payments. 

These late payment remarks are factually incorrect and damaging. Under FCRA 1681e ( b ), furnishers and bureaus must assure maximum possible accuracy. I am requesting that these late payment indicators be removed and corrected to reflect on-time payment history.

2. Charge-Off Account Not Recognized No Knowledge of Account The following account is being reported as a charge-off, but I have no knowledge or record of owing this debt. This account must be validated or removed entirely. 

CAF Account ending XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Charge-Off Not my account / No authorization or knowledge of debt. 

Under FCRA 609 & 611, I am requesting proof of ownership, original signed contract, and complete account validation. If the furnisher can not provide factual evidence that this account belongs to me, I request full deletion of the tradeline. 

Requested Resolution I respectfully request the following actions : Remove incorrect late payment reporting from XXXX, XXXX XXXX, and XXXX XXXX and update to reflect never-late / paid as agreed history. 

Provide validation and documentation for the CAF charge-off account. 

If validation can not be provided, delete the account entirely from all credit bureaus. 

Provide written confirmation of the investigation results and updates made to my reports. 

Failure to correct inaccurate reporting is a violation of federal law. I request full compliance, timely investigation, and prompt resolution as required under the FCRA. 

Thank you for your attention. I look forward to a complete and lawful response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt?

The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a Form 3949-A The IRS considers most forms of forgiven, canceled or settled debt as income for tax purposes. If the amount of your canceled debt is more than {$600.00} and it's considered taxable, the lender is required to send you a 1099-C form, which includes the cancelled amount that you'll need to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the following accounts and inquiries on my credit reports. Below are the details of the disputed accounts, separated by bureau : Charged Off Accounts XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2025-12-01 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: RI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following accounts on my credit report. I request that these items be thoroughly investigated and updated or removed accordingly, as they appear to be reported inaccurately. Below are the accounts in dispute, separated by each credit bureau. 

Charge Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a dispute about multiple personal address entries ( and one employer ) on my credit file that are incorrect or no longer apply to me. The Fair Credit Reporting Act requires consumer reports to be accurate and complete, and I have previously submitted documents proving these items are wrong. Despite that, the entries remain. 

Please remove the following addresses and employer immediately they are not current, are inaccurate, or have never been associated with me : Address to remove XXXX. XXXX XXXX XXXX, NV XXXX Employers to remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX These incorrect entries risk damaging my credit record and could indicate identity or reporting problems. I previously provided supporting documentation ; therefore, I request an explanation for why these items were not corrected after my earlier disputes and whether they will continue to be reported.

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 2025-12-01 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year> in between the hours of XXXX XXXX  and XXXX XXXX, my bank account was accessed by somebody in XXXX minnesota, they changed my email, my password, and my phone number, they used the pay anyone feature on the app and sent out transfers adding up to XXXX dollars. Which was of course every penny I had. I woke around XXXX XXXX  thursday XX/XX/year> ( XXXX  day ), noticed I had a couple bank notifications, checked my email to find as i stated before, they had changed all of my login criteria. I then went to the website to to obtain the customer service phone number. I called customer service. Re Attained control over my account again by resetting my email and password through customer service. Filed a unauthorized transfer notice with claims, which continues to be denied, even though I continue finding proof. And that is where im at. These people that my money was sent to... are in 3 different states, all with what i assume are fake names, but active chime accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute several entries on my credit report that I believe to be inaccurate. Below, I have outlined the accounts in dispute for each credit bureau. I request a thorough investigation of the following items, as they may not accurately reflect the status of my accounts. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$520.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$110.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$820.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} SXXXX XXXXXXXX, XX/XX/XXXX, {$230.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX BANK, XX/XX/XXXX XXXX CARD, XX/XX/XXXX Late Payments : XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Hi CFPB, I ended my internet service contract with XXXX in XX/XX/year>, and all the internet devices were returned, including all payments paid. XXXX gave out my information to a credit collection company ( SOURCE RECEIVABLES MNG ) to collect the amount of {$100.00}, for which I didnt owe any money. I have an email stating XXXX verified the internet device was returned and no payment was due. 

My information has been compromised, including fraudulent credit card activities, nonstop phone calls, wrong names and identities on my credit history and bank accounts, and suspicious emails and mail. 

Evidence of the internet device and no due payment is attached. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. I believe the information to be inaccurate and incomplete. Below are the details of the accounts in dispute, separated by each credit bureau.

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$15.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$770.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$8500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-01 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: NY

Complaint narrative:
I am disputing the following items on my TransUnion credit report. These accounts and inquiries contain inaccurate or unverifiable information that should be corrected or removed per FCRA requirements. 

Charged Off TU : XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX BANK XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} Inquiries TU : None listed. 

Late Payment TU : XXXX XXXX, Account No. XXXX XXXX, Account No. XXXX XXXX & XXXX BANK, Account No. XXXX XXXX XXXX, Account No. 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 2025-12-01 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: GA

Complaint narrative:
XXXX XXXX is reporting inconsistent and inaccurate information across all three credit bureaus in violation of FCRA 602 and 607 ( b ). 

The XXXX XXXX auto loan on my credit report contains multiple inaccuracies and inconsistencies across TransUnion, Experian, and Equifax. 

Examples : Account Status : TU = Derogatory, XXXX  = Paid, XXXX  = Derogatory Payment Status : TU = Charge-off, XXXX  = Unknown, XXXX  = Charge-off Comments : Each bureau shows a different final status ( paid in full for less, paid charge-off, payment after charge-off ) Date Last Active : TU = XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of Last Payment : TU = blank, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Balance : TU = {$14000.00}, XXXX XXXX {$14000.00}, XXXX XXXX  {$11000.00} These discrepancies violate the FCRAs requirement for maximum possible accuracy. 

I previously settled this account, and XXXX has failed to update or correct the information properly.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX, was sold or put in charge of collecting the amount of the card from Citi Bank. However, they would not report the amount agreed upon or the payments already made to Citi Bank before they acquired the account. The payment process was set up through a 3rd party who had already agreed upon payments directed to Citi Bank. The remaining amount was paid in full on XX/XX/25 to settle the account in dispute. Final payment was made with a request to update all negative information being reported to the credit bureaus to simply state paid as agreed or to completely remove the account from the 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 2025-12-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I finished an XXXX XXXX with XXXX in XXXX XXXX. Upon completion, I was paying a {$500.00} monthly payment to XXXX ( for school balance ). I also began paying a separate bill of approximately {$120.00} per month to a separate organization ( ended up being XXXX ), that I was not a 100 % clear about. I contacted XXXX about this " other payment '' and XXXX had no mention of it. They said that the only payment I was solely responsible for for the {$500.00} per month .. Uniquely, the {$120.00} payment would come out periodically and then sometime stop for several months, so it seemed truly fishy to me. But I was not sure who to contact for answers on this... aside from XXXX, which I contacted again in XXXX of XXXX... Double checking with them, that I had only one payment left ( not missing a single payment ) for a total of {$10000.00}. With that being said, I was under the impression that my schooling/payments were completed : ) I was so happy and thankful. 
Then, a month later, in XXXX of XXXX, my credit score alerted me of serious delinquency of XXXX XXXX XXXX day lates, dropping my credit score from a XXXX to a XXXX ... Years of hard work and responsibility, to keep a good credit score, gone.. I then looked into the issue, that there was a loan servicer for the {$120.00} a month payment that reported 90 days late to each individual loan... Destroying my credit and my ability to borrow. This also reduced all of my open accounts 0 available balances, as I am now viewed a high risk borrower .. From that point on, I have contacted the servicer XXXX- and tried my best to explain the situation, that I was never aware of the separate liabilities and that I had spoked to XXXX  and they said I only owed the {$500.00} a month payment.. I didn't realized there was a separate arrangement, payment due ... and furthermore the loan had gone in and out of forbearance several times, with no payments taken out for months at at a time... making it even more confusing .. After dozens of phone calls between XXXX and the 3 credit bureaus the only chance I had was to dispute in hopes of a legitimate understanding. I had not been contacted by anyone regarding a balance, separate balance etc. I have always paid on time and was so thankful for the education I was able to pursue at XXXX yrs of age... Now, it hurts and totally demolishes any chance for me to be credit worthy and buy a home or even a car. The truth is, when I finished with XXXX, I was never notified of what and who I owe. In this day in age with spam/fraud calls/texts/emails, it is hard to discern what is legitimate and legal.. I thought I was doing the right thing but in the end I am at a loss. showing XXXX XXXX day lates on an otherwise impeccable credit report- sad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief