vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-04 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-07-04 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-04 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. Federal law under the FCRA states that you must have my written consent to disclose my personal information, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office violated my privacy again. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Ava Finance, Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Respondent : Ava Finance , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Email : XXXX Complaint Title : Inaccurate Late Payment Reporting in Violation of the FCRA Ava Finance Description of the Issue : This complaint is in response to Ava Finances reporting of a 30-day late payment for my XXXX XXXX XXXX XXXX XXXXXXXX account ( Acct # : ending in XXXX ) to the credit bureaus. I formally disputed the reporting on XX/XX/year>2025. In their XXXX XXXX, 2025 response, Ava Finance claimed that the payment due on XX/XX/scrub>, 2025, was not received until XX/XX/scrub> 2025, due to a Plaid Relink error and subsequent disconnection of my linked bank account. 

However, Ava Finances own transaction statement contradicts their claim : A payment of {$100.00} was made on XX/XX/year>2025, well prior to the XX/XX/year>2025 due date. 
There is no record of a payment on XX/XX/scrub> 2025, as they assert. 
Multiple payments were processed on XX/XX/scrub>, 2025, which may have been correctivebut not after 30 days late as claimed. 
Avas failure to properly credit or account for these payments led to an inaccurate delinquency reporting.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishers must not report inaccurate or incomplete information, 15 U.S.C. 1681s-2 ( b ) furnishers must conduct a reasonable reinvestigation upon notice of a dispute, and FTC v. XXXX XXXX requires that reinvestigations must include evidence beyond internal databases. 

Ava Finance failed to conduct a reasonable reinvestigation. Their internal Plaid Relink explanation does not meet the legal standard, especially since their own official statement disproves the alleged dates.

I respectfully request that the CFPB investigate Ava Finances violation of its data furnisher responsibilities under the FCRA and instruct them to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Early Warning Reinserted Fraudulent Capital One 360 Account After Identity Theft Block Complaint Narrative ( Paste this into the CFPB complaint form ) : I am filing this complaint against Early Warning Services for violating the Fair Credit Reporting Act ( FCRA ) by reinserting a fraudulent Capital One 360 account into my consumer file after I had already submitted a valid identity theft report. 

I never opened the Capital One 360 account that was reported under my name. This account was allegedly opened in XXXX, but I had no relationship with Capital One prior to XXXX, when I applied for and was approved for my first-ever credit card with them. I have never opened a Capital One 360 checking or savings account, and I strongly believe this XXXX account is the result of identity theft. 

I submitted a formal identity theft complaint through the FTC at IdentityTheft.gov, along with a signed affidavit, my ID, and proof of address. Early Warning initially blocked the fraudulent account after receiving my documentation

under FCRA Section 605B ( 15 U.S. Code 1681c-2 ). However, they later reinserted the account into my consumer file without proper notice or certification as required by FCRA Section 611 ( 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ).

I did not receive : Written notice of reinsertion within 5 business days A statement of the business name and address of the furnisher Certification that the furnisher had verified the accuracy of the disputed information Early Warnings actions violate multiple sections of the FCRA and put me at risk of further harm. They have previously been sued for similar FCRA violations, including the failure to investigate disputed information and the continued reporting of false or inaccurate data.

I am requesting the CFPBs assistance in ensuring the following : Early Warning re-blocks and permanently removes the fraudulent Capital One 360 account That they provide all documentation or certifications used to justify reinserting this account That they confirm compliance with FCRA procedures and consumer rights This is a clear case of identity theft. I am attaching my FTC Identity Theft Report, affidavit, proof of ID, and a 100-word consumer statement that I want included in my Early Warning file.

Supporting Documents to Attach on CFPB Site : FTC Identity Theft Report ( PDF ) Identity Theft Affidavit ( signed ) Copy of government-issued ID Utility bill or other proof of address Your Early Warning reinsertion notice ( dated XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Subject : Affirm Repeated Violations of FCRA and Improper Credit Reporting Practices Statement : I am filing this complaint against Affirm , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) and for deceptive and harmful credit reporting conduct. My Affirm account was sold or transferred multiple times without notifying me in writing by mail, as required under FCRA Section 623 ( a ) ( 7 ), 15 U.S.C. 1681s-2 ( a ) ( 7 ) and Regulation V ( 12 CFR Part 1022, App. B ). When asking for this account to be disputed, it is sold to another company. The company that holds the debt is not licensed in the state in which the debt is allegedly held.

Additionally, Affirm failed to update the credit bureaus with accurate information regarding this account. XXXX  continues to report data furnished by Affirm that is incomplete and unverifiable, in violation of FCRA 1681e ( b ) ( requirement for accuracy ) and 1681i ( a ) ( reinvestigation obligation ).

Affirm has not provided me with any method of verification or documentary evidence supporting their reporting, despite my formal requests. Their actions constitute willful noncompliance under FCRA 1681n, and have caused credit defamation, financial harm, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: LA

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 non-monetary relief
Consumer complaint received 2025-07-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX INQUIRIES : 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 explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX INQUIRIES : 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 explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens cash back plus XXXX XXXXXXXX. 
I received and email and text from the fraud department on XX/XX/XXXX saying there is suspicious activity on the card. I called them and was asked about the charges and i advised them i was not using the card in NY and NJ because i am currently living in XXXX. They asked if I had the card with me and i advised that i did. They put in a claim and stopped the card and issued me a new one. The total amount for 7 charges are {$6500.00} and now it has been charged interest since XXXX and late charges because I refuse to pay the charges for fraud. I did pay off in full my charges in total of {$1300.00} plus interest of {$290.00} totaling {$1600.00} on XX/XX/XXXX which was given to me by an associate of citizens. I then called again on XX/XX/XXXX when I didnt hear back from anyone. They again opened a new claim stating that i was sent mail saying I was liable for the charges because it shows my chip used the card. I advised them there was no mail sent to me at my XXXX NY home because I have my brother open anything important with me over video calls and mail everything to me in XXXX. I advised again i have the card in my possession and I dont live in the XXXX . I requested a callback from a manager and advised to leave a message if they get my voicemail. I called back again on XX/XX/XXXX and was cutoff after going through the problem and called back a second time on XX/XX/XXXX and again they had to do a new claim because they couldnt locate everything. At this time i still didnt receive a callback and i called back on XX/XX/XXXX and i believe again someone did a new claim. I called back again on XX/XX/XXXX because no callback again and then again four times on XX/XX/XXXX and spoke with four different people because after almost two hours on phone with fraud that was collecting all the reports and doing another claim i was cutoff and no callback. And my last call was XX/XX/XXXX and spoke with the card and fraud departments and got absolutely nowhere once again and the rude associate in fraud supposedly put in another claim and a callback and didnt research anything passed him finding an originally note saying it was denied. I tried to explain there were many additional claims after that but he didnt seem to care. So I desperately need some help because this is now affecting my credit score and they have also canceled my credit card after being in great standings with them since I opened the account in XXXX.

Company response to consumer: Closed with monetary relief