vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IN XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNKNOWN - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: U.S. BANCORP
State: MA

Complaint narrative:
Received a notification alert from XXXX XXXX about a hard inquiry, which i was confused on I then checked my email and saw two emails about a new credit card that was applied for. One email from XXXX XXXX and one from USBank about applying for a credit card. I then called XXXX XXXX to try and dispute it, and also tried calling the USbank to dispute the application.

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 2025-07-10 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-10 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: MD

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 605B 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 explanation
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-07-10 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
On XX/XX/XXXX, I notified XXXX XXXX that I was a victim of identity theft involving a fraudulent XXXX credit card account ending in XXXX, with a balance of {$3100.00}. I submitted an FTC Identity Theft Report, triggered FCRA 605B, and XXXX confirmed in writing ( XX/XX/XXXX and XX/XX/XXXX letters ) that they : Closed the account, Directed Equifax, TransUnion, Experian, and XXXX to delete the account, Would not hold me responsible for the charges. 

The credit bureaus removed the account as required by law. 

But here 's the violation : Instead of honoring this block permanently as required under FCRA 605B, XXXX XXXX has re-aged and re-reported the same fraudulent debt under a new account ending in XXXX, with a new inflated balance of {$4300.00}. They are actively attempting collection and have resumed reporting it to credit bureausdespite my original dispute and proof of identity theft. 

This is a willful violation of multiple FCRA statutes : Statutory Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Once a consumer submits an Identity Theft Report, the data furnisher is legally obligated to permanently block the reporting of fraudulent information. Re-aging and re-reporting the same debt under a new account number is unlawful and deceptive.

FCRA 623 ( a ) ( 6 ) : Furnishers may not report information they know is the result of identity theft once notified by the consumer. XXXX acknowledged the theft, closed the account, and still created a new tradeline tied to the same theft. 

FCRA 623 ( b ) : Upon dispute, a data furnisher must investigate, correct, or delete inaccurate or unverifiable information. XXXX refused to honor my previous investigation, which concluded in my favor. 

FCRA 623 ( a ) ( XXXX ) ( A ) : Furnishers must ensure accuracy and completeness. Duplicating an invalid account and reporting it under a new number is materially misleading and damaging. 

Impact : Due to this willful misconduct, I was recently denied new credit from XXXXsuggesting the fraudulent debt still influences my creditworthiness, in direct violation of FCRA 605B ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code by various furnishers regarding accounts that were either discharged in bankruptcy or are reporting inaccurately. 

I filed XXXX XXXX bankruptcy on XX/XX/XXXX, under case number XXXX, and received my discharge on XX/XX/XXXX. 

The following accounts are currently reporting derogatory or inaccurate information post-discharge : XXXX. XXXX XXXX XXXX Reporting late payments on an account with {$0.00} balance and Pays as agreed status. This is misleading, as the account was discharged and should not reflect past delinquencies. 
XXXX. XXXX XXXX XXXX Similarly showing negative status with XXXX lates, despite a {$0.00} balance and closed status. These should be suppressed in accordance with FCRA and bankruptcy discharge protections.

3. XXXX XXXX XXXX Reporting as a charge-off with {$0.00} balance. This account was included in bankruptcy and must not reflect a derogatory status post-discharge.

4. XXXX XXXX XXXX XXXX Same situation as above ; the charge-off status is inaccurate post-bankruptcy discharge and violates the discharge injunction under 11 U.S.C. 524.

5. XXXX XXXX Shows a {$0.00} balance but continues to report as a charge-off. This account was discharged and should be corrected to remove derogatory notations. 
XXXX. XXXX XXXX XXXX Account listed as Included in Bankruptcy but continues to reflect past due history and a worst rating of XXXX days late. This violates FCRA 1681s-2 ( b ). 
XXXX. XXXX XXXX XXXX Reporting inconsistently with derogatory payment history, despite discharge and {$0.00} balance. This is not in compliance with post-bankruptcy credit reporting obligations. 
XXXX. XXXX Account was discharged, yet it continues to report negatively. The data furnisher has failed to properly update this account to reflect the correct status post-discharge. 

I have attempted to resolve these issues at least seven times, including formal disputes with the credit bureaus and data furnishers. Despite repeated requests, the inaccuracies persist in violation of the FCRA and my bankruptcy protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code by various furnishers regarding accounts that were either discharged in bankruptcy or are reporting inaccurately. 

I filed XXXX XXXX bankruptcy on XX/XX/XXXX, under case number XXXX, and received my discharge on XX/XX/XXXX. 

The following accounts are currently reporting derogatory or inaccurate information post-discharge : XXXX. XXXX XXXX XXXX Reporting late payments on an account with {$0.00} balance and Pays as agreed status. This is misleading, as the account was discharged and should not reflect past delinquencies. 
XXXX. XXXX XXXX XXXX Similarly showing negative status with XXXX lates, despite a {$0.00} balance and closed status. These should be suppressed in accordance with FCRA and bankruptcy discharge protections.

3. XXXX XXXX XXXX Reporting as a charge-off with {$0.00} balance. This account was included in bankruptcy and must not reflect a derogatory status post-discharge.

4. XXXX XXXX XXXX XXXX Same situation as above ; the charge-off status is inaccurate post-bankruptcy discharge and violates the discharge injunction under 11 U.S.C. 524.

5. XXXX XXXX Shows a {$0.00} balance but continues to report as a charge-off. This account was discharged and should be corrected to remove derogatory notations. 
XXXX. XXXX XXXX XXXX Account listed as Included in Bankruptcy but continues to reflect past due history and a worst rating of XXXX days late. This violates FCRA 1681s-2 ( b ). 
XXXX. XXXX XXXX XXXX Reporting inconsistently with derogatory payment history, despite discharge and {$0.00} balance. This is not in compliance with post-bankruptcy credit reporting obligations. 
XXXX. XXXX Account was discharged, yet it continues to report negatively. The data furnisher has failed to properly update this account to reflect the correct status post-discharge. 

I have attempted to resolve these issues at least seven times, including formal disputes with the credit bureaus and data furnishers. Despite repeated requests, the inaccuracies persist in violation of the FCRA and my bankruptcy protection.

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 2025-07-10 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I disputed debt collection practices by LVNV on XX/XX/year> with the CFPB. 

XXXX XXXX ; CFPB Case # : XXXX Original Creditor : XXXX  XXXX Current Owner : LVNV Funding LLC XXXX XXXX XXXX On XX/XX/year>, the company responded. upon review of LVNV response, after being specifically requested under consumer 's right to dispute debt collections practices and specific requested alleged debt verification ( XXXX ), validation ( XXXX ) and ownership. This company still has denied providing me a copy of the " ( XXXX ) Original credit application and ( XXXX ) credit contract agreement that created the alleged debt between consumer and XXXX XXXX and ( XXXX ) Proof of Alleged Debt Ownership by LVNV and yet admits that it will continue to report this information, implicitly in violation of the FCRA. This company could have obtained my ( consumer 's personal information through the Credit Reporting Agencies data breaches. 
However, the Fair Debt Collection Practices Act ( FDCPA ) that governs debt validation is 15 U.S. Code 1692g provide section outlines what debt collectors must include in their written notice to consumers and how disputes must be handled.

Additionally, Regulation F, codified at 12 CFR 1006.34, which provides detailed requirements for the validation notice format and content. More specifically, requires documentation that substantiates the debt, which effectively means : Showing the collector has the legal right to collect ( proof of ownership ) and, verifying documentation linking the debt to the consumer through account details and itemization. This was not provided in the disputed specific request.

Consumer disputes the findings of this company 's inaccurate, unverified and unvalidated credit reporting, until LVNV provides the specific original documents. Consumer also demands under the FCRA that this account is verified and validated. More specifically, again, I ( consumer ) demand that LVNV cease credit reporting of this alleged debt where it has not verified and validated the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: OK

Complaint narrative:
On XXXX XXXX I purchased XXXX items from XXXX XXXX using affirm financing. Both items arrived damaged. One item was replaced ( a bunching table that is essentially a glass and metal end table ), but the second item ( a large wood console ) was returned due to extremely long delays to repair the item or refill the order ( back ordered ). I notified affirm and they investigated the claim. I received an email on XX/XX/XXXX from affirm that said they sided in my favor. However, I was refunded for the item we kept and not for the item we returned. The item we kept was significantly cheaper therefore I was not given the correct refund. XXXX XXXX does not respond to my requests for confirmation of amount refunded and affirm refuses to provide any information. Without notice in XXXX of XXXX after providing additional proof of the return to affirm, they closed the dispute and marked the account as a charge off without even notifying me of the update. Now, a company called XXXX ( debt collector ) contacted me on XX/XX/XXXX and I disputed the bill. I contact them monthly for an update and I have consistently been told they were still working on verifying the debt. Now the account has been sold to XXXX, XXXX because XXXX couldnt obtain proof that it was a valid debt. Its nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX  XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] XXXX Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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