vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
I recently noticed a collection account from DNF Associates on my credit report. I do not recognize this company or the debt they are reporting. I have never received any notice or documentation from DNF Associates about this account.

I believe this may be an error or a case of mistaken identity. I am requesting that DNF Associates provide full validation of this alleged debt, including the original creditors name, account number, and proof that the account belongs to me.

If they can not verify that this debt is mine, I request that it be removed from all credit bureaus and that they stop all collection activity related to it.

I recently noticed that your company is reporting a collection account on my credit report. I do not recognize this account, and I am requesting validation of the debt as provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including a breakdown of any interest or fees.

4. A copy of any agreement or document bearing my signature showing that I am legally obligated to pay this debt.

5. Documentation that you are authorized to collect this debt in my state. 

Until you can provide proper validation, please cease all collection activity and do not report or continue to report this account to any credit reporting agency. If this account is already being reported, it must be marked as disputed until validation is provided.

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 2025-10-21 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: VA

Complaint narrative:
I am submitting this formal dispute to request an investigation into several unauthorized or unverified hard inquiries appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ) 604 and 611, no company or individual is permitted to access my credit file without my explicit written consent or a permissible purpose as defined by law. 

Upon reviewing my credit reports from Experian, Equifax, and XXXX, I discovered several inquiries that I did not authorize and for which I have not applied for credit. These inquiries are negatively affecting my credit score and overall creditworthiness. 

I am requesting that the CFPB investigate these inquiries and ensure that each credit bureau provides written verification from the inquiring companies confirming that I authorized these credit pulls. If no such documentation exists, I respectfully request immediate deletion of the unverified inquiries from my credit file. 
Please provide me with a written confirmation once your investigation is complete, and notify me of any actions taken by the credit bureaus or the creditors in question. 

Thank you for your prompt attention to this matter. I expect a response and resolution in accordance with the FCRA within the allotted 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-22 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my square card was charged XXXX times for XXXX cent from XX/XX/XXXX I never authorized this transaction or wasnt anywhere close to the location where it took place and I lost this dispute for some apparent reason XXXX asking that this be escalated and looked over this is ridiculous I lost XXXX dollars and it was no real investigation that took place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
On or about XX/XX/year> I purchased a man 's ring online from merchant XXXX XXXX XXXX. 
The ring that was delivered was similar but different from what I ordered. I sent the ring back to merchant on XX/XX/year> via XXXX. Merchant has kept the ring that I returned. Merchant has refused to send to me the ring that I ordered. Merchant has refused to refund my money back to my payment method, AFFIRM. I filed a dispute with AFFIRM. The dispute was denied. Despite my request AFFIRM did not provide me with exact reasons for denying my dispute or provide me with copies of documents that AFFIRM received from merchant. AFFIRM continues to bill me for a ring that I do not have. 
I REFUSE TO PAY THIS CHARGE OF {$1100.00}. I have discovered that AFFIRM has a history of violations of this type and merchant has hundreds of negative XXXX reviews for complaints such as mine and numerous others. 
Both merchant XXXX XXXX XXXX and AFFIRM are dishonest and dishonorable merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: UT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-21 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request a thorough investigation into inaccurate and incomplete information being reported on my credit file concerning an account originally with Upgrade and later sold to XXXX XXXX, XXXX. 

On or about XX/XX/XXXX, I submitted a request to the company for a 1099-C form in connection with this account, which was reported as discharged on my credit report. The company responded with a letter confirming that on XX/XX/XXXX, my Upgrade account was sold to XXXX XXXX, XXXX, and that the originating bank was XXXX XXXX. However, they did not provide the requested 1099-C, nor have they clarified the status of this alleged debt in a manner consistent with consumer protection laws.

Under 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information to credit reporting agencies are required to report accurate and complete information. If the account has in fact been discharged, it should not continue to be reported as an active or delinquent debt, and the furnisher must promptly update or correct this information. 

Additionally, under 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request verification of the debt. This includes documentation of the debts ownership and status. Failure to provide this information violates my consumer rights under federal law.

I respectfully request that the CFPB investigate the following : 1. The reporting of this account as discharged without the appropriate issuance of a 1099-C.

2. The failure of the furnisher to accurately update the accounts status on my credit report. 
3. The transfer of servicing and any obligations under FDCPA for proper debt validation.

4. Whether Upgrade, XXXX XXXX XXXX, and/or XXXX XXXX XXXX XXXXXXXX are in compliance with their duties under the FCRA and FDCPA. 

I am requesting that this matter be resolved by : - Providing the proper 1099-C documentation, if applicable. 
- Correcting or removing any inaccurate or incomplete reporting from my credit file. 
- Confirming the current legal status of this account. 

I have enclosed a copy of the letter from the company dated XX/XX/XXXX, for your review. 

Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that my credit report reflects only accurate and legally compliant information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
incorrect information reporting no knowledge of account send all paperwork contracts etc connected to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MO

Complaint narrative:
Upon review of my credit reports from Experian, TransUnion, and Equifax, I identified seven factual discrepancies for the same account. The information reported by the three credit bureaus does not match and should be reviewed for accuracy and consistency. The discrepancies are as follows : 1.High Balance : Experian and TransUnion report {$15000.00}, while Equifax reports {$13000.00}. 

2.Last Verified Date : TransUnion lists XX/XX/XXXX ; Experian and Equifax show no verification date. 

3.Date of Last Activity : TransUnion shows XX/XX/XXXX, Experian XX/XX/XXXX, and Equifax XX/XX/XXXX XXXX 

4.Date Reported : TransUnion and Experian both show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 

5.Date Opened : Experian and Equifax list XX/XX/XXXX, but TransUnion lists XX/XX/XXXX. 

6.Closed Date : TransUnion reports XX/XX/XXXX, while Experian and Equifax leave this field blank. 

7.Last Payment Date : TransUnion and Experian show XX/XX/XXXX, but Equifax reports XX/XX/XXXX. 

These inconsistencies indicate inaccurate or incomplete data reporting among the credit bureaus. I am requesting a reinvestigation and correction to ensure that all information reported is factually accurate and consistent across all three credit reporting agencies.

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 2025-10-21 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: MO

Complaint narrative:
Upon review of my credit reports from Experian, TransUnion, and Equifax, I identified seven factual discrepancies for the same account. The information reported by the three credit bureaus does not match and should be reviewed for accuracy and consistency. The discrepancies are as follows : 1.High Balance : Experian and TransUnion report {$15000.00}, while Equifax reports {$13000.00}. 

2.Last Verified Date : TransUnion lists XX/XX/XXXX ; Experian and Equifax show no verification date. 

3.Date of Last Activity : TransUnion shows XX/XX/XXXX, Experian XX/XX/XXXX, and Equifax XX/XX/XXXX XXXX 

4.Date Reported : TransUnion and Experian both show XX/XX/XXXX, while Equifax lists XX/XX/XXXX. 

5.Date Opened : Experian and Equifax list XX/XX/XXXX, but TransUnion lists XX/XX/XXXX. 

6.Closed Date : TransUnion reports XX/XX/XXXX, while Experian and Equifax leave this field blank. 

7.Last Payment Date : TransUnion and Experian show XX/XX/XXXX, but Equifax reports XX/XX/XXXX. 

These inconsistencies indicate inaccurate or incomplete data reporting among the credit bureaus. I am requesting a reinvestigation and correction to ensure that all information reported is factually accurate and consistent across all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: CO

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debit and did not have the opportunity to dispute this account .If you believe you sent proper notification, please provide certified mail with receipt displaying my signature .if not, please delete account # XXXX as soon as possible from report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-21 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief