vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain inquiries on my credit report, as listed under Section 605B of the Fair Credit Reporting Act. The specific inquiries I am disputing are as follows : XXXX XXXX Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/year>

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and/or unverifiable account information on my credit report and has not corrected it after my disputes. The disputed reporting involves damaging remarks/comments and inaccurate or unsupported month-by-month delinquency history ( 30/60/90/120 ) in the payment history grid.

Accounts affected ( masked ) : 1 ) XXXX  Account # XXXXXXXX XXXX XXXX  Equifax is reporting remarks/comments including Charged off account and Account transferred or sold. The payment history grid also reflects multiple months reported as delinquent ( 30/60/90/120 ). I dispute the accuracy, completeness, and proper substantiation of these remarks and the delinquency months as published.

2 ) XXXX Account # XXXXXXXX XXXX XXXX Equifax is reporting remarks/comments including Charged off account and Auto and the payment history grid shows negative months. I dispute the accuracy and verifiability of these remarks and the month-by-month payment history as published.

Actions taken : I disputed these specific remarks and the late payment history with Equifax and requested correction/deletion of any information that is inaccurate, incomplete, misleading, or can not be verified with competent documentation. I also requested the method of verification and the specific source and records used to verify each disputed remark and each disputed delinquency month. Equifax has not provided a detailed, evidence-based explanation showing what actual records were reviewed for each disputed month and each disputed remark, and I do not accept generic responses such as verified or updated without proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company 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 2025-12-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
On XX/XX/year>, I went to XXXX XXXX XXXX in California to receive a quote on a car. I was interested in buying a car but wanted to look at numbers first before applying for credit. the sales guy told me he wanted to run a soft credit check which I was fine with. he even told the sales manager only to run a soft credit check. My credit was locked and they told me that no hard check would happen. Once they did this they did run a hard inquiry. when I confront the sales manager he said he hit the wrong button and didnt mean for it to be a hard check, but nothing that could be done to reverse it

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the information reported on my credit report. I believe the following accounts are inaccurately reported, and I request that these items be reviewed and corrected. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, {$730.00} Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I financed a {$1400.00} online fitness coaching program through Affirm from a merchant operating as XXXX XXXX XXXX XXXX. The program was advertised at checkout as a multi-month personalized coaching service, including custom workouts, nutrition guidance, progress tracking, and ongoing accountability delivered through a fitness coaching app and related support tools. 

After enrolling, the service did not match what was advertised. The workouts and nutrition guidance provided were generic templates that did not meaningfully change or reflect personalization over time. The program relied heavily on the coaching app for training guides, food and progress logging, and communication with the coach. 

When I raised concerns and requested adjustments so I could continue participating effectively, the merchant did not provide meaningful customization. Instead, on or around XX/XX/2025, the merchant unilaterally revoked my access to the coaching app and associated support channels, including my training guides, logs, and communication tools. I did not request cancellation, termination, or a refund prior to this action. The removal of access was initiated entirely by the merchant. 

Once my access to the app and support tools was removed, I was no longer able to use or benefit from the program in any meaningful way. The core service I paid for was no longer available to me. 

After my access was revoked, I filed a dispute with Affirm because the services were not delivered as described and because the essential components of the program had been taken away. While the dispute was active, on XX/XX/2025, the merchant contacted me directly by text message. In those messages, the merchant acknowledged the dispute, demanded that I withdraw it, and threatened to send the account to collections if I did not comply with his deadline. These threats occurred during an active dispute and were intended to pressure me into canceling the dispute. 

Despite evidence showing loss of access, lack of personalization, and coercive conduct by the merchant, Affirm ultimately sided with the merchant. As a result, I am being required to continue making payments for a service that was largely not delivered and that I was prevented from using after access was revoked. 

I am submitting this complaint because I believe I was charged for services that were not fully delivered, were not accessible after termination, and were misrepresented at the time of purchase. I also believe Affirm did not adequately account for the loss of access to the training guides, logs, and coaching platform, or the merchants conduct during the dispute, when reviewing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a consumer currently working on improving my credit, and I am filing a dispute regarding certain accounts that appear on my credit report. Below is a list of the accounts in dispute, separated by bureau : Charged Off XXXX XXXX  Account Number XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$1400.00} Late Payment XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX

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 2025-12-22 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: CO

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully 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 non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$130.00} Late Payment : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Affirm, Inc. for enforcing and attempting to collect on a fraudulent transaction, failing to protect me from a deceptive merchant, and continuing collection activity despite a valid written dispute. 

The underlying transaction involved a company called XXXX XXXX XXXX, which falsely advertised qualified real estate leads. The product delivered consisted of expired, canceled, and non-viable contacts and had no merchantable value. This constitutes material misrepresentation, failure of consideration, and deceptive trade practices. 

I formally disputed the account with Affirm in writing and cited applicable federal consumer protection laws, including the FTC XXXX and the FTC Holder Rule ( XXXXXXXX XXXX XXXX  XXXX ), which preserves a consumers right to assert all claims and defenses against a lender that could be asserted against the seller. Despite this, Affirm refused to cancel the debt or refund payments and has continued collection activity. 
Affirm has also continued contacting me by phone, text, and email while the account is actively disputed, creating harassment and undue pressure. I have now formally demanded that all communications cease except in writing. 

Affirms conduct places me at risk of improper credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I intend to dispute any negative reporting and request that the CFPB require Affirm to investigate, cease collection, and honor my dispute under federal law. 

I am requesting the XXXX  assistance in requiring Affirm to : Cancel the remaining balance, Refund all payments made, Cease all non-written communications, Ensure no negative credit reporting occurs on this disputed account. 

I am prepared to pursue further regulatory and legal remedies if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

Company 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 2025-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX Month ago I requested from Loan services and application for Loan Modification as well called PHH mortgage spoke with XXXX Agent # XXXX and was transferred in and out of departments 3 times and I was told I did not qualify for a modifacation due to the fact I was not delinquent in my payments.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief