vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a goodwill adjustment request to Affirm for a XXXX XXXX installment. I asked for a written supervisor review, written clarification of their policies, and the results of their investigation. XXXX repeatedly refused to provide this information in writing and required phone-only escalation. 

When I called, I received scripted responses that did not answer my questions, and the supervisor provided a template email that did not address the substance of my request. They told me they can not review goodwill adjustments unless I call, but then refused to give any meaningful information over the phone. 

XXXX misrepresented their policies, did not provide the information I requested, and did not conduct a proper review. I am requesting CFPB assistance to have Affirm complete a proper written review of my request and provide the information I asked for.

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 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Information I submitted on XX/XX/year> was sent to the company on XX/XX/year> company didn't respond until XX/XX/year> way past the XXXX  day mark according to the laws of the fcra the complaints that I filed on XX/XX/year> you sent the complaint to the company on XX/XX/year> TransUnion did not respond unless XX/XX/year> and XXXX  and Experian did not respond unless XX/XX/year> well over the XXXX  days that the had to respond according to XXXX they have XXXX  days to respond or the information ( XXXX XXXX XXXX must be removed from my credit reports all XXXX of them transunion, XXXX  and Experian

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 2025-11-24 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: RI

Complaint narrative:
I am disputing inaccurate information furnished by XXXX XXXX XXXX and inaccurate reinvestigation results from Experian, TransUnion, and Equifax. The account in question contains several factual inconsistencies and XXXX violations. 

All three credit bureaus report this account with an original loan term of 7 months, yet the payment history reflects more than 30 months of reported activity prior to the XXXX charge-off. A 7-month loan can not produce a multi-year payment history. This is structurally impossible and constitutes furnishing information that is inaccurate under FCRA Section 623 ( a ) ( 1 ) ( A ). 

After the loan was charged off in XXXX, Equifax and TransUnion continue to report new delinquency statuses each month, including multiple years of 90+ days late or repeated charge-off codes for XXXX, XXXX, XXXX, and XXXX. Once an account is charged off, it can not accrue new late payments or be repeatedly charged off again. This violates Metro-2 reporting standards and results in misleading information.

I disputed this account with all three credit bureaus. Experian verified the account as accurate despite the contradictory data and impossible loan term. Equifax updated some fields but left the inaccurate 7-month term and the postcharge-off delinquency reporting unchanged. TransUnion conducted the most serious error by applying the furnishers reinvestigation response to a different XXXX XXXX XXXX account that was paid in full and never disputed. The disputed derogatory account was not corrected. This indicates that TransUnion did not match my dispute to the correct tradeline. 

Because the loan term, payment chronology, and delinquency reporting all conflict with one another, the information furnished can not be considered accurate or verifiable. All three credit bureaus reinvestigations failed to correct these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: RI

Complaint narrative:
I am disputing inaccurate information furnished by XXXX XXXX XXXX and inaccurate reinvestigation results from Experian, TransUnion, and Equifax. The account in question contains several factual inconsistencies and XXXX violations. 

All three credit bureaus report this account with an original loan term of 7 months, yet the payment history reflects more than 30 months of reported activity prior to the XXXX charge-off. A 7-month loan can not produce a multi-year payment history. This is structurally impossible and constitutes furnishing information that is inaccurate under FCRA Section 623 ( a ) ( 1 ) ( A ). 

After the loan was charged off in XXXX, Equifax and TransUnion continue to report new delinquency statuses each month, including multiple years of 90+ days late or repeated charge-off codes for XXXX, XXXX, XXXX, and XXXX. Once an account is charged off, it can not accrue new late payments or be repeatedly charged off again. This violates Metro-2 reporting standards and results in misleading information.

I disputed this account with all three credit bureaus. Experian verified the account as accurate despite the contradictory data and impossible loan term. Equifax updated some fields but left the inaccurate 7-month term and the postcharge-off delinquency reporting unchanged. TransUnion conducted the most serious error by applying the furnishers reinvestigation response to a different XXXX XXXX XXXX account that was paid in full and never disputed. The disputed derogatory account was not corrected. This indicates that TransUnion did not match my dispute to the correct tradeline. 

Because the loan term, payment chronology, and delinquency reporting all conflict with one another, the information furnished can not be considered accurate or verifiable. All three credit bureaus reinvestigations failed to correct these inaccuracies.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: MA

Complaint narrative:
Dear Credit Control : BUREAUS INVESTMENT GROUP PORTFOLIO NO 15 LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Traunerconfirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the accounts listed below that appear on my Experian credit report. I believe these entries are inaccurate and should be reviewed and corrected if necessary. 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Positive Accounts :

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 2025-11-24 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I keep getting the same scripted voicemail from different phone numbers ( area code XXXX ). They were calling about once a day for a week. Now it's more like once a week. I never answer because I think it's a scam. I don't owe any debt aside from my credit cards, car loan, and mortgage. 

The message is as follows : " Hello. This is [ name ] calling from audit and adjustment company. Please call me or any of my associates at XXXX or XXXX option XXXX between the hours of XXXX and XXXX. '' I block every new number that calls with this same message. I know the message is either recorded or artificially created because I've received the exact same message from different " people '' with the same voice inflections and pauses multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing because this is now my second request for you to validate the debt you say I owe. I previously asked for proof, and you still have not provided any of the documents I requested. Until you do, I do not acknowledge this debt as mine. 
I also received a letter from XXXX XXXX Bank stating that my credit card account ending in XXXX with a balance of {$990.00} was sold and assigned to a new owner. Since you are claiming to own or collect this account now, I need proper proof that you actually have the legal right to collect from me. 
I am requesting the following information : Your license and bond number Assignment of Debt ( proof you actually purchased or now own this account ) Complete ledger or account file All accounting records Full transaction history of the account Any documents with my signature that show I agreed to owe you this debt I am not asking for a simple printout or a statement you typed up yourself. I am asking for real proof that I owe you and that you have the right to collect anything from me. 

Right now, you are reporting this debt to the credit bureaus without giving me any validation. That is harmful to me, and it may be against both federal and state laws. This is causing damage to my credit and stress on my finances, and I take this very seriously. 

Under the Fair Debt Collection Practices Act, you are required to provide proper validation when I ask for it, and you must mark the account as disputed with the credit bureaus. If you fail to send me the validation within 30 days, then you need to remove this account completely from my credit reports and send me written proof that you requested the deletion. 

Until you send me the documents I listed above, this debt remains unproven, and I do not owe anything to your company unless you can show real evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

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 2025-11-24 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-24 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-24 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally failed to send legally required notices ( Notice of Default, Right to Cure, Notice of Intent to Sell, and auction information ) to my updated address.

Because they did not send notices to the correct address, I was never properly informed and could not respond.

Under FCRA 1681s-2 ( b ), credit reporting must be accurate and verifiable. Sending notices to the wrong address makes the reporting inaccurate.

Under UCC 9-611 & 9-614, a repossession must follow proper notice requirements. Failure to notify the correct address violates these rules. 

Case law ( XXXX  v. MBNA, XXXX v. TransUnion, Ford Motor Credit v. XXXX XXXX XXXX XXXX XXXX XXXX Lallana ) confirms that unverifiable or improperly reported repossessions must be deleted from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute several unauthorized hard inquiries that appear on my TransUnion credit report. These inquiries were not made with my permission, and I did not provide written or verbal authorization to any of the companies listed below. 
Please investigate the following 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 3 ), a credit report may only be accessed with a permissible purpose and with the consumer 's authorization. Because I did not authorize these inquiries, I am requesting that TransUnion : Verify each inquiry by obtaining documentation that proves I gave consent ; and Remove any inquiry that can not be verified with proper documentation.

Please treat this letter as a formal dispute under FCRA 611, which requires you to complete an investigation within 30 days and provide me with the results along with an updated copy of my credit report. 
Thank you for your prompt attention to this matter. I expect a full investigation and removal of any inquiries that can not be validated.

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 2025-11-24 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I would be grateful if you could review and remove the referenced accounts, as I did not authorize their creation. They appear fraudulent, and I have provided documentation for your consideration.

Company response to consumer: Closed with explanation