vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-07 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: CA

Complaint narrative:
My XXXX loans were XXXX XX/XX/year>. It is now XXXX and not only is XXXX still reporting a balance destroying my credit score but they continue to report increased interest to the loans that no longer exist and have been paid for over two months now. I have disputed with all 3 bureaus and they kept the report as is despite the documentation I provided showing a XXXX balance and discharge. Please help me correct my credit report as it effecting my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
My XXXX  loans were discharged XX/XX/year>. It is now XXXX and not only is XXXX still reporting a balance destroying my credit score but they continue to report increased interest to the loans that no longer exist and have been paid for over two months now. I have disputed with all 3 bureaus and they kept the report as is despite the documentation I provided showing a XXXX balance and discharge. Please help me correct my credit report as it effecting my credit status.

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 2025-08-07 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: CA

Complaint narrative:
My XXXX  loans were discharged XX/XX/year>. It is now XXXX and not only is XXXX still reporting a balance destroying my credit score but they continue to report increased interest to the loans that no longer exist and have been paid for over two months now. I have disputed with all 3 bureaus and they kept the report as is despite the documentation I provided showing a XXXX balance and discharge. Please help me correct my credit report as it effecting my credit status.

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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am writing to file a formal dispute against an inaccurate and potentially fraudulent item being reported on my XXXX credit report by [ Insert creditor/collection agency name ]. This account reports an opening date of XX/XX/year>, with a balance of {$440.00}. 

At that time, I did not live in Florida nor did I have my own residence, and I had not opened any accounts in my name. This account was not authorized by me, and the date opened is not only incorrect but also inconsistent with my verified residential and employment history.

This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires accurate reporting of consumer information. It also appears to contradict the Furnisher Rule, which prohibits data furnishers from reporting false or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian continues to report a debt that the company refuses to validate. I have asked multiple times for the original contract that i supposedly signed. I keep getting generic responses that the debt has been validated. I have explained i never lived at an apartment and that the debt belongs to my son that has the same name. XXXX XXXXt refuses to send me the original contract so I can see what name is on the account. I keep getting a bill from pro collect not a contract. I am not paying something that does not belong to 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
Pursuant to the fair credit reporting act ( far ) 611, I have the right to dispute any item I believe to be inaccurate or unverifiable.Furthermore, under the ucc-3-501 : I am demanding presentment and proper notice of dishonor for the alleged obligation.

Ucc-9-210 : I request a full accounting and itemized breakdown of any alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received an email notification from a debt collector called Columbia Debt Recovery LLC on XX/XX/year> of an alleged debt. In that email the debt collector stated that I had until XX/XX/year> to dispute the debt or they will claim it was mine. They also stated that they will cease all collection once they received my dispute and send information showing i owe the debt but i never heard from them. Following this, I sent a validation letter asking the debt collector to provide information under 15 U.S. Code 1692g. I never got a response from the debt collector but instead they kept sending me emails to pay the debt. I also called the original creditor on XX/XX/year> to inquire about the debt and no response. I called on XX/XX/year> and was able to speak to a representative at the leasing office who told me the fees were related to cleaning fees and they will be reaching out to the manager to give me a call to explain the details but i never received a call back. Please see phone call logs for XXXX XXXX  XXXX when i called with a number of I recently checked my credit report and see that the debt collector put the information on my report. This is a violation and I demand the information be removed of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX XXXX approximately at XXXX XXXX, I used Affirm to purchase XXXX XXXX XXXX tickets as a belated birthday gift for my, son. At around XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I texted my son about buying XXXX tickets in which my son replied in a text message he declined and does not want the tickets. I contacted Affirm asap to request to cancel this loan for XXXX. At that time, the Affirm loan ( on their end ), was in a pending process only. 

I resubmitted another dispute request through Affirm on XXXX XXXX XXXX. Affirm representative, XXXX, confirmed when I purchased the tickets on XX/XX/year>, Affirm did not officially process/confirm the loan until on XX/XX/year> that is why I am disputing again this loan. As a consumer, do I have a right to cancel a loan before it is officially approved by Affirm and not be held responsible? 

XXXX XXXX so far, has not offered to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
I filed bankruptcy XX/XX/year> it was XXXX XX/XX/year>. After reviewing my credit reports on XXXX, Equifax, and XXXX  I continued to notice and dispute XXXX XXXX XXXX XXXX  continues to report account information after the filing and discharge dates specifically on Equifax. With multiple disputes sent to Equifax they continue to report that information in violation of the fcra.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$760.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
This complaint is being submitted to request that Equifax block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Equifax is required to block such information within four ( 4 ) business days of receiving this notice.

The disputed information includes multiple unauthorized accounts and hard inquiries that were opened or made without my knowledge or consent. These items are the result of identity theft and fraud. The following accounts are fraudulent and must be permanently removed from my credit file : XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX with balance of {$1500.00}. XXXX XXXX XXXX XXXX XX/XX/XXXX with balance of {$28000.00}. XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX with balance of {$27000.00}. XXXX XXXX - XXXX XX/XX/XXXX with balance of {$31000.00}. XXXX XXXX XXXX Opened XX/XX/XXXX with balance of {$770000.00}. The following fraudulent inquiries XXXX XXXX XXXX  Inquired XX/XX/XXXX. XXXX Inquired XX/XX/XXXX All of the listed accounts and inquiries are not mine. I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ), filed with the XXXX Federal Trade Commission, to verify that these items are fraudulent and associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-08-07 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXX the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the XXXX-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-07 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I applied for a {$30000.00} XXXX XXXX XXXX for my son in 2018. After he graduated, he rolled several of his loans into a single loan and I presumed this was rolled in with it. 

Aidvantage claims to be handling this loan and evidently it was not rolled into the other loans so we have a {$37000.00} bill. 

Aidvantage has trying to collect on this for a while, but their emails contain dead links that don't go to their site. I have been unable to find an account number, or get any explanation of how we accrued {$7000.00} in interest already. 

If this is a legitimate loan, I want to pay it, but the management of the loan by Aidvantage has been so fishy that I am still not sure it is a legit company and we still owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit. 
XXXX XXXX {$1400.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} ( XX/XX/year> PLEASE REMOVE THE 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I am disputing an unauthorized auto loan account reported by Westlake Financial under my Social Security Number. This account was opened using only my foreign passport, at a time when I did not have an SSN. I never gave Westlake permission to report this account to any credit bureau. The account now appears on my XXXX XXXX XXXX XXXX  reports as derogatory, including repossession, without my authorization or consent. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) as no permissible purpose or verifiable authorization exists for this reporting. I have already contacted the credit bureaus by mail and now request your help to have this account removed immediately. 

I have attached my ID, Social Security card, and a formal complaint letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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