vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My phone number has been incorrect on my credit report since 2022. I have been requesting my phone number get updated since then. I have missed out on phone upgrades due to incorrect information on my report. I've missed out on credit cards because this information has not been updated for 4 years. It's also been very hard to open up new bank accounts the last 4 years. I have to bring in mail sometimes to prove I am the real me.

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 2025-12-07 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: IL

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
XXXX Sunday XX/XX/year> XXXX name of supervisor I called affirm to discuss late payments and the reasoning behind them. I had a financial problem due to my jobs system being down, and I wasnt able to make them on time, but I have fully paid them and have no owing balance and I asked if they can do a Goodwill adjustment for me and that I value my relationship with the company. Im currently in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: PA

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 2025-12-07 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$3500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am being harassed incessantly, threatened and given no details or explanation whatsoever. Midland credit management apparently purchased my debt from another company I have no clue about and I am being negatively impacted financially because of their relentless aggressive and irresponsible actions. I am being threatened to have my life ruined because of a small amount that I dont even owe! I am trying to build my credit responsibly and practically with the little XXXX XXXX and credit history Ive already worked diligently to establish. I will not tolerate much more of this greed and aggressive conduct before legal action and media attention is needed. Thank you for your attention to this matter. Its unacceptable and I demand they cease and desist immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$11000.00} Account name DEPT OF EDUCATIONXXXX Account number XXXX Account type Education Date opened XX/XX/XXXX Balance {$5300.00}

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 2025-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I booked a car rental through a travel agency called XXXXXXXX XXXX XXXX using my American Express XXXX credit card in the amount of {$190.00}. Later that day, I arrived at the car rental to get the car, but the wait time was too long, and they were adding too many charges to the price that I paid. Also, they did not have the car that I wanted. Therefore, I cancelled the rental that same day. I requested for the car rental company to send me a confirmation that it has been cancelled, and they both sent it and told me to forward the cancellation to the travel agency so that I can get my refund. After submitting the cancellation to the travel agency the same hour, I have not received a refund. I contacted American Express to dispute this claim and supported the documentation to show proof of the cancellation. However, American Express keeps closing and re-opening the dispute so that it can linger. Recently, they credited the account in the amount of {$190.00} and reversed it immediately afterwards. After speaking with them today, I was informed that they closed the dispute yet again and told me that I have to re-submit all my supporting documents again. I've sent American Express supporting documents 3 times and there is still no resolution. Your assistance in getting this matter favorably resolved will be much appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon looking at my credit report I see a unauthorized acct on my report, please remove it, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that the accounts listed below were marked as verified following my dispute. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting the Method of Verification used to confirm each account. 

Accounts You Deemed Verified XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX Information Required Under FCRA For each of the accounts listed above, please provide : The exact name, department, or individual you contacted during your verification process. 

A detailed description of the procedure used to verify the accuracy of the information. 

Copies of all documents, records, correspondence, or data you relied upon when determining that these accounts were verified. 

If you can not provide this information, the FCRA requires that the verified accounts be deleted from my credit file. 


This is a formal request for your method of verification, not a new dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: GA

Complaint narrative:
XXXX XXXX is reporting a business/commercial credit account as a personal consumer revolving account on my Experian credit report. I am not personally liable for this account, and I never signed any personal guarantee or authorization allowing this account to be furnished to consumer credit bureaus. 

This reporting is false, misleading, and inaccurate, in violation of FCRA 602A, 607 ( b ), and 623. It is also coded incorrectly under Metro2 standards, because a commercial account should not be classified or published as a personal revolving line of credit. 

I contacted XXXX XXXX  directly and requested verification, and they can not provide any documentation showing this is a personal consumer obligation. The account should not be appearing on my consumer credit report at all. 

This inaccurate reporting is harming my XXXX score, affecting my ability to obtain credit, and misrepresenting my personal debt profile.

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 2025-12-07 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: SC

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Re : Equifax reporting inaccurate information after reinvestigation Confirmation Number : XXXX I previously disputed thXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account with Equifax. On XX/XX/year>, Equifax mailed me reinvestigation results stating that the XXXX account is not currently on my Equifax credit file. 
This is incorrect. 
Despite Equifaxs written statement, the XXXX account never left my Equifax credit file and continues to report. It was also updated again on XX/XX/year>, as shown on my XXXX XXXXXXXX XXXX, and myEquifax reports. This means : Equifax completed a reinvestigation Equifax failed to delete the account Equifax allowed continued reporting after stating it was not on my file This is a violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) failure to reasonably reinvestigate disputed information FCRA 611 ( a ) ( 5 ) ( A ) failure to correct or delete information found to be inaccurate or unverifiable FCRA 611 ( a ) ( 6 ) providing inaccurate written reinvestigation results FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate ( XXXX updating the account after Equifax stated it is not on file )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
On my XXXX  credit report dated XX/XX/XXXX, I noticed multiple accounts reported as charged off or in collections that I believe are inaccurate or require clarification. For example : XXXX XXXX XXXX XXXX ( Account opened XX/XX/XXXX ) : Shows a charge-off of {$480.00} and reports severe delinquency from XX/XX/XXXX through XX/XX/XXXX, even though I made payments in early XXXX and the account was later closed at the credit grantors request. 
XXXX : Reports a charge-off of {$1300.00} and past due status since XX/XX/XXXX, but I have no record of this account or any related transactions. 
Resurgent/LVNV Funding : Multiple collection accounts ( e.g., {$6700.00}, {$1200.00}, {$1400.00}, and {$560.00} ) are listed as opened between XX/XX/XXXX and XX/XX/XXXX, but I have never authorized these accounts or received validation notices. 
XXXX XXXX : Shows a charged-off balance of {$10000.00} as of XX/XX/XXXX, even though I enrolled in a financial counseling program in XXXX and made payments during that period. 

I have contacted some creditors previously to dispute these items but have not received adequate documentation or resolution. These accounts are negatively impacting my credit profile, and I am requesting verification and correction under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: SC

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

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 2025-12-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
I made a XXXX account for my son, and since day 1, he has never been able to use it. So I called multiple times, and they said " oh it works now. '' So I sent him {$50.00}, and we tested it, it still didn't work. 

Months later, the money was still on his account, but he changed his phone number, and when he went to log in, his old account wouldn't work anymore because you can only activate with your original phone number. I called them to tell them what happened, and they said " you can make a new account with his same info, sponsor him, then we can transfer the money to his new account. '' Well guess what, I did everything they said, and they still couldn't transfer me the money. The rep was even telling me " it might not work. '' Why!? This is the weirdest thing I ever heard, why can't they even just transfer the money back to me? I gave them all the correct bank info, and they still can't transfer my money back to either of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting that XXXX provide full validation, including * Complete itemization of the {$350.00} * A copy of the original lease agreement from the property or creditor you claim this debt originates from * Documentation proving XXXX XXXX  authority to collect, including assignments or ownership of debt * Verification of all credit reporting including the date if first delinquency and what was furnished to each credit bureau

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 2025-12-07 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XX/XX/2024

Company response to consumer: Closed with explanation