vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/scrub> 2025, I took out an XXXX loan ( Loan ID : XXXX ) for {$350.00} to purchase a product from XXXX. The product was XXXX, which is not FDA-approved and is illegal to market and sell. After learning this, I immediately cancelled my order and my bank reversed the first payment. 

I provided XXXX with multiple pieces of evidence : The FDA Warning Letter against the product. 

The advertisement and product label from XXXX showing the drug. 

Proof from my bank showing the payment reversal.

A detailed written follow-up explaining the cancellation and the illegality of the transaction.

Documentation of customer complaints against XXXX. 

Despite this, XXXX refused to acknowledge my cancellation or the products illegality. Instead, they relied on the merchants no refund policy and claimed the loan remained valid. Their investigation responses were boilerplate and ignored the substance of my evidence. 

XXXX closed my merchant dispute in favor of the merchant and has stated I am still responsible for the loan. They also warned that they may report my account as delinquent to XXXX  if I do not continue making payments.

This is incorrect reporting. The account should not be shown as an active or valid debt because : The underlying product was illegal to sell and unsafe.

I cancelled the transaction.

My bank already reversed a payment, confirming cancellation.

I dispute any reporting of this account as open, past due, or delinquent. If XXXX reports this to the credit bureaus, it will be false and harmful to my credit report and score. 

I request CFPB assistance in requiring XXXX to correct or remove this account from my credit reports and to recognise the loan as invalid/cancelled.

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 2025-08-17 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
CFPB Complaint Narrative Affirm , Inc . 
I am a victim of identity theft. The accounts listed below were fraudulently opened in my name without my knowledge or authorization : - Affirm Account : XXXX - Affirm Account : XXXX  - Affirm Account : XXXX - Affirm Account : XXXX  - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX  - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX - Affirm Account : XXXX I have provided supporting documentation including my FTC Identity Theft Report, government-issued ID, proof of address, and a written statement. Under FCRA 605B, I am requesting that Affirm , Inc .

block, close, and remove these fraudulent accounts from all credit reporting within 4 business days.

Failure to act promptly will require further escalation.

I request the CFPB ensure compliance and provide oversight in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate and unverified items on my credit report, and despite my rights under the Fair Credit Reporting Act ( FCRA ), these remain. These errors include false addresses, incorrect charge-offs, false late payments, unauthorized inquiries, and a misreported bankruptcy. 

Equifax is reporting addresses I have never lived at : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. These false addresses suggest serious file errors or identity issues and create a misleading personal history. 

There are multiple accounts listed as charge-offs that do not belong to me, including but not limited to 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  These accounts are not mine and have never been verified with contracts or signatures. Reporting them as charge-offs creates the false impression that I failed to pay my debts when I did not. 

Equifax is also reporting late payments on accounts such as XXXX, XXXX XXXX XXXX XXXX and XXXX, which are inaccurate. These alleged delinquencies are damaging my credit history. 

In addition, a federal bankruptcy is listed under Reference # XXXX. This public record is not reported accurately and does not reflect my actual circumstances. Reporting such a serious mark without proper verification is highly damaging. 

There are also unauthorized credit inquiries, including SecurityFI ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ), which I never authorized. Under FCRA Section 604, inquiries must have a permissible purpose. These inquiries were made without my consent and have negatively affected my score.

Equifax has violated FCRA Section 607 ( b ), which requires maximum accuracy, Section 609 ( a ), which requires disclosure of sources, and Section 611, which requires deletion of unverifiable information. These failures have caused me financial harm, credit denials, stress, and emotional distress. 

I am requesting the CFPB to take action to ensure Equifax removes all inaccurate and unverifiable information from my credit file and complies fully with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
Complaint Against : TransUnion LLC Nature of Complaint : TransUnion is reporting inaccurate and unverifiable negative accounts on my credit report dated XX/XX/XXXX. Despite my rights under the Fair Credit Reporting Act ( FCRA ), TransUnion continues to report these items without conducting a proper reinvestigation. 

Accounts in Dispute ( TransUnion ) : XXXX XXXX XXXX  Account ending XXXX ( opened XX/XX/XXXXXXXX  ) charge-off, {$820.00} balance. Data conflicts across bureaus, unverifiable. 

XXXX XXXX XXXX  Account ending XXXX ( opened XX/XX/XXXX ) charge-off, {$2000.00} balance. Inconsistent reporting of dates of last activity and status. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX charge-off reported as purchased by another lender. No proof of ownership or debt validation. 

XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX ( {$710.00} ) collection tied to XXXX XXXX XXXX XXXX XXXX  No contract or chain of assignment provided. 

XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX  ( {$1200.00} ) collection tied to XXXX XXXX XXXX XXXX  No proof of ownership or validation of debt. 

XXXX XXXX XXXX Accounts ending XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  report late payments ( 90150 days ) from XXXX despite showing {$0.00} balance and paid/closed. This is inaccurate and misleading. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( auto loan ) reported as redeemed repossession. Payment history reflects repeated late notations even though the account is listed as current. Contradictory and inaccurate. 

Violations of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. Reliance on automated furnisher responses does not meet this standard.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) : Items that can not be verified must be deleted. TransUnion continues to report unverifiable accounts.

15 U.S.C. 1681n and 1681o : Ongoing reporting of inaccurate or unverifiable accounts constitutes willful and/or negligent noncompliance, making TransUnion liable for damages. 

Relief Requested : I request that the CFPB require TransUnion to : Delete the above-listed inaccurate and unverifiable accounts.

Provide me with a corrected copy of my TransUnion credit report. 

Ensure TransUnion improves its reinvestigation procedures to comply with the FCRA. 

Harm Caused : These unverifiable negative accounts are suppressing my credit score and denying me fair access to credit. The continued reporting of false and unverifiable information is causing financial and reputational harm.

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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$120.00} Late Payment * * Law : FCRA XXXX ( A ) and FCRA XXXX require maximum possible accuracy and a reasonable reinvestigation. FCRA XXXX states furnishers must report complete and accurate information. 
Issue : This account is being reported with late payment which is inaccurate and damaging. 
Story : I have no record of missing payments on this account, and the information being reported is inconsistent with my payment history. I am demanding proper validation and deletion if it can not be proven accurate. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$530.00} Late Payment * * Law : FCRA XXXX mandates the bureau to verify accuracy of disputed data. FCRA XXXX ( a ) ( XXXX ) prohibits furnishers from reporting false information. 
Issue : This account is inaccurately showing late payment, which is incorrect and misleading. 
Story : I have consistently made payments on time and no verified proof has been provided to support the late payment being reported. Please reinvestigate and remove if unverifiable. 

XXXX XXXX XX/XX/year> Law : FCRA XXXX Issue : XXXX not authorized by me. 
XXXX : This must be deleted as it is not valid. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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 2025-08-16 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: AR

Complaint narrative:
I dispute an XXXX tradeline reported as collections/charge-off for {$5600.00}. I sent a certified Demand for Verification received by XXXX on XX/XX/year>. They failed to provide ( 1 ) verified documentation of a lawful debt, ( 2 ) proof of any funds advanced to me or on my behalf, ( 3 ) a contract bearing my wet-ink signature, ( 4 ) lawful authority to report, and ( 5 ) due-process records. 

I mailed a Notice of Default & Final Opportunity to Cure on XX/XX/year> ; XXXX received it XX/XX/year>. They did not cure within 7 days ( deadline XX/XX/year>XXXX  ). XXXX is in default ; the furnished data is unverified and inaccurate. 

Law : Under the FCRA, bureaus must reinvestigate disputed data and delete anything inaccurate or unverifiable ( 15 U.S.C. 1681i ). After a bureau notifies a furnisher of my dispute, the furnisher must investigate, review all relevant information, and correct or delete information that is inaccurate, incomplete, or can not be verified ( 15 U.S.C. 1681s-2 ( b ) ). Please ensure deletion of this tradeline and notify me in writing.

Maxims supporting my position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( silence where a duty to speak exists is XXXX ), XXXXXXXX XXXX XXXX ( fraud vitiates everything ).

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 2025-08-16 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: GA

Complaint narrative:
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 I recently reviewed a copy of my credit report and I seen fraudulent inquires on my credit that wasn't authorized by me I'm a victim of identity theft can you please remove the inquiries because it's stopping me from obtaining credit."

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 2025-08-16 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: KY

Complaint narrative:
I, XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX Co ( Experian BIN : XXXX ), am filing this complaint to report fraudulent business credit accounts and inquiries that have been wrongfully placed on my companys Experian business credit file. 
Background My company was established in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX. 
We are a small business with approximately 10 employees and no large credit accounts or business loans. 
Fraudulent Accounts & Activity Between XX/XX/XXXX and XX/XX/XXXX, several accounts and inquiries were fraudulently opened and reported under my companys name : XXXX. XXXX XXXX Account Acct. ending XXXX Balance : {$9400.00} Reported : XX/XX/XXXX Unauthorized account I never applied for this credit. 
XXXX. XXXX Account Acct. ending XXXX XXXX : {$35000.00} Activity Date : XX/XX/XXXX Reported : XX/XX/XXXX This account shows false late payments and high utilization. 
3. XXXX XXXX XXXX Acct. ending XXXX Balance : {$60000.00} Last Payment Date : XX/XX/XXXX Reported as First Payment Default, which is false and damaging. 
4. XXXX XXXX XXXX Acct. ending XXXX Balance : {$35000.00} Balance Date : XX/XX/XXXX Shows multiple delinquencies I did not cause. 
5. XXXX XXXX XXXX Acct. ending XXXX XXXX : {$990.00} Balance Date : XX/XX/XXXX Unauthorized revolving account. 
Additionally, there have been multiple unauthorized inquiries placed on my business file ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), further damaging my credit profile. 
Harm to My CompanyBecause of these fraudulent accounts : My Business Credit Score dropped to 1 ( High Risk ).

Experian assigned a Financial Stability Risk Rating of 4 ( Medium-High Risk ). 
XXXX assigned a Risk Rating of XXXX ( XXXX XXXX ). 
Payment history falsely reflects 66 Days Beyond Terms and repeated delinquency reports. 
This false reporting has harmed my companys ability to access legitimate credit, secure contracts, and maintain a trustworthy financial standing. 
Actions Taken by Me and My Company XX/XX/XXXX : Upon discovering these accounts, I contacted Experian and Small Business Financial Exchange to dispute the entries. 
XX/XX/XXXX : I made phone calls to Experian to notify them of the fraudulent reporting ( I have phone records ). 
XX/XX/XXXX : I obtained my Experian XXXX report, which confirmed the fraudulent accounts and balances listed above. 
XX/XX/XXXX : I prepared and filed an FTC Identity Theft Report. 
XX/XX/XXXX : I began sending formal dispute letters demanding deletion of all fraudulent tradelines and inquiries.

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 2025-08-16 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 filing this complaint because my credit reports contain fraudulent accounts, fraudulent closed accounts, fraudulent hard inquiries, and false personal information that I did not authorize or consent to. I have already submitted an FTC Identity Theft Report regarding these items. These accounts and inquiries were created without my knowledge or permission and are the direct result of identity theft. Their presence is negatively impacting my creditworthiness and ability to access financial services.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : XXXX XXXX American Express XXXX XXXX XXXX XXXX and Preset Spending Limit I am filing this complaint against American Express due to unfair and harmful practices regarding my credit cards. 

I currently hold XXXX American Express accounts, XXXX of which carries a high annual fee of {$750.00}. Despite paying such a significant fee for membership and benefits, American Express recently imposed a XXXX XXXX XXXX of {$2800.00} on XXXX card and reduced the credit limit to {$1800.00} on another account ( with a {$200.00} cash advance limit ). 

These actions were taken unilaterally after a so-called review, without my consent or a sufficient explanation. The reduction in my credit limit not only restricts my ability to use the card but also negatively impacts my credit history and XXXX score, creating a red flag to other creditors. 

Additionally, the same action was taken against my spouse, who also holds multiple American Express accounts. This demonstrates a recurring pattern of behavior in which American Express penalizes loyal customers who pay substantial annual fees for premium services, only to later undermine their financial standing by reducing their creditworthiness. 

This practice is unfair, abusive, and misleading. American Express markets its premium cards with high fees and promised benefits, yet later engages in actions that directly harm consumers credit profiles and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: GA

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. 

XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized 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 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 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