vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-06-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Equifax ] XXXX XXXX XXXX, XXXX, GA XXXX Subject : Second Dispute Request for Method of Verification under FCRA ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ) Dear Equifax This letter is in reference to a previous dispute I submitted regarding inaccurate information being reported on my credit file. You responded that the account was verified. However, under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act, I am formally requesting a description of the method of verification, including : XXXX. The name, address, and telephone number of the entity or individual you contacted in your reinvestigation, and XXXX. An explanation of the procedure used to verify the accuracy of the disputed item. 

The account in question : Creditor Name : XXXX XXXX XXXX Reported Balance : {$2400.00} Date Opened : XX/XX/XXXX Please provide a complete response within the XXXX  days allowed under federal law. If you can not or do not verify the information with legitimate documentation, I expect the item to be removed from my credit report immediately under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ( last XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting on my Credit Report. They are inaccurately updating an account monthly that has been deemed Profit and loss. I am a Victim of Identity Theft. I have requested Documentation and requested for this Company to remove this unauthorized information off of my Credit Report. This Company has violated the FCRA 15 USC 168S-2 and 15USC 168EB. This account has been deemed Profit and loss and reported directly to the IRS. Due to the remark that they placed on my Credit Report, not only has it been deemed Profit and loss, I also know that it has been reported to the IRS and being updated monthly rand reporting it to the IRS, they can not do both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury under the laws of the State of California as follows : 1. I have reviewed a document titled Merchant Processing Application and Agreement dated XX/XX/XXXX, submitted under the name XXXX XXXX XXXX XXXX XXXX' and processed by Bank of America Merchant Services ( BAMS ). This document includes an electronically signed agreement identifying me, " XXXX XXXX, '' as a personal guarantor. 

XXXX. I categorically affirm that I did not sign this agreement * *, either in physical form or electronically. The signature identified as mine on page 5 of the agreement ( under the section titled Personal Guaranty ) is not written nor authorized by me. 

XXXX. At no time did I authorize anyone to apply for merchant services in my name or under the name " XXXX XXXX XXXX '' in XXXX. My use of that business name began in XXXX for an entirely unrelated purpose ( wedding services ) and the entity had no connection to jewelry retail or merchant processing as described in the BAMS agreement. 

XXXX. The address listed on the application ( XXXX XXXX XXXX XXXX XXXX, CA ) was a rental property * * where I once resided but never owned. 

XXXX. I had no knowledge of this agreement prior to its discovery as part of the credit and identity fraud investigation currently under legal review. 

XXXX. The use of my name, signature, and related personal information in this document was unauthorized, and constitutes identity misuse and forgery. 

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 2025-06-27 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: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I AM WRITTING FORMALLY DISPUTE AN ACCOUNT AND LATE PAYMENT REPORTED UNDER MY NAME THAT I DID NOT AUTHORIZE, OPEN OR RECOGNIZE. THE ACCOUNT IN QUESTION IS BEING REPORTED BY AFFIRM AND INCLUDES XXXX OR MORE LATE PAYMENTS THAT ARE NEGATIVELY IMPACTING MY CREDIT SCORE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT DID NOT OPEN IT AND HAVE NOT AUTHORIZED ANYONE TO OPEN AN ACCOUNT WITH AFFIRM ON MY BEHALF FOR THIS TRANSACTION WITH XXXX. IT IS HIGHLY LIKEY THAT THIS LOAN XXXX IS THE RESULT OF IDENTITY THEFT OR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX U.S.C. Code XXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX USC XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have XXXX XXXX my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> someone hacked my Cash App account and made two separate purchases, {$190.00} and {$610.00} to XXXX. 
I contacted XXXX to dispute the charges. They said I had to address the charges with Cash App. 

I contacted Cash App to dispute both charges. They denied my dispute stating the charges were authorized by me. 
That is not correct information as I did not make these charges. 
Cash App is clearly not investigating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-27 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: PR

Complaint narrative:
I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$6600.00} I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, there is a transaction described as XXXX XXXX XXXX XXXX XX/XX/year> ( ... XXXX ) '' for {$64.00} that I don't recognize. It seems like it is an international charity. We don't use our debit card so we don't understand how they got our information. We keep the minimum balance to avoid the monthly service fee, but as a result of this fraudulent transaction it put the balance below it and was charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 there 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 non-monetary relief
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 there 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear EQUIFAX, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that EQUIFAX is not adhering to the obligations set forth under federal law, specifically 15 U.S.C. 1681c-2. 
Your continued delay in addressing my complaint is unacceptable, and I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act. 
I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 
Sincerely, 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 2025-06-27 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:
Pursuant to the provisions outlined in XXXX U.S.C. XXXX, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX CREDIT on XX/XX/XXXX account number XXXX * * * Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * Auto Loan account opened at XXXX CREDIT on XX/XX/XXXX account number XXXX * * *, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-06-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I financed a home improvement project for approximately {$12000.00} through Service Finance Company ( SFC ). The contractor, XXXX XXXX, completed partial work on XX/XX/year>. On that day, I was presented with a Certificate of Completion, which I explicitly refused to sign because the work was incomplete and done incorrectly. I have a photo of that original form and still have it in my possession showing no homeowner signature and Final Payment : No clearly marked.

Shortly after, I contacted SFC by phone and told them I did not authorize release of funds due to the incomplete work. Despite this, I later discovered that SFC had disbursed funds based on a different Certificate of Completion one that appears to have my signature but was not knowingly or intentionally signed by me to authorize disbursement or confirm satisfaction. 

On XXXX, 2025, I submitted a formal written dispute to SFC. I explained that I did not knowingly sign the certificate used to trigger final payment, and I attached the photo of the unsigned form from XX/XX/XXXX. XXXX acknowledged that XXXX submitted the signed form, but has refused to pause or review the disbursement. 

To be clear, I am not disputing the loan itself only the use of a potentially forged or misrepresented document to justify disbursement. I am asking the CFPB to investigate the release of funds without valid homeowner authorization and to assist in reviewing the legitimacy of this debt.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-27 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: OH

Complaint narrative:
Subject : Urgent Follow-Up Regarding Non-Compliance Dear EQUIFAX, I am writing to express my deep concern regarding the lack of response to my previous correspondence concerning inaccurate information on my credit report. It has become increasingly apparent that EQUIFAX is not adhering to the obligations set forth under federal law, specifically

15 U.S.C. 1681c-2. Your continued delay in addressing my complaint is unacceptable, a
nd I expect immediate action to be taken. If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau and consider further legal action to ensure compliance with the Fair Credit Reporting Act.

I urge you to treat this matter with the seriousness it deserves and provide me with a resolution without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation