vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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 am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-22 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: FL

Complaint narrative:
XXXX insist that I agreed to an accelerated payment at the end of a loan forbearance period. They reported the debt as XXXX days late in XX/XX/year>. 

They have failed to provide any evidence that my wife agreed to this arrangement, despite her being a coborrower. 

I have never missed a payment in XXXX years. this has destroyed my credit. They have reported the payment differently to the three credit bureaus. They have different business names for each credit bureau. They have validated the debt, despite providing any proof of who I met with, contracted with, and have failed to provide a valid verification of the debt. 

They have failed to list this item as " disputed ''. 

They have reported the debt as 60 days late to XXXX of the agencies and 90 days late to the third. 

I demand that they remove this fraudulent report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
XXXX insist that I agreed to an accelerated payment at the end of a loan forbearance period. They reported the debt as 60-90 days late in XX/XX/year>. 

They have failed to provide any evidence that my wife agreed to this arrangement, despite her being a coborrower. 

I have never missed a payment in 20 years. this has destroyed my credit. They have reported the payment differently to the three credit bureaus. They have different business names for each credit bureau. They have validated the debt, despite providing any proof of who I met with, contracted with, and have failed to provide a valid verification of the debt.

They have failed to list this item as " disputed ''.

They have reported the debt as 60 days late to two of the agencies and 90 days late to the third. 

I demand that they remove this fraudulent report from all three credit bureaus.

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 2025-06-22 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: FL

Complaint narrative:
XXXX insist that I agreed to an accelerated payment at the end of a loan forbearance period. They reported the debt as 60-90 days late in XX/XX/year>. 

They have failed to provide any evidence that my wife agreed to this arrangement, despite her being a coborrower.

I have never missed a payment in 20 years. this has destroyed my credit. They have reported the payment differently to the three credit bureaus. They have different business names for each credit bureau. They have validated the debt, despite providing any proof of who I met with, contracted with, and have failed to provide a valid verification of the debt.

They have failed to list this item as " disputed ''.

They have reported the debt as 60 days late to two of the agencies and 90 days late to the third. 

I demand that they remove this fraudulent report from all three credit bureaus.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX PH : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
RE : Request for Addition of Address to Consumer File Notice of Rights under the FCRA and FDCPA To Whom It May Concern : This letter serves as my formal request that you immediately add the following additional address and personal information to my consumer file maintained by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX PH : XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to full and accurate disclosure of all personal identifying information contained in my consumer file. This includes the right to have accurate, complete, and up-to-date address information recorded in my file. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, any reporting of incomplete or outdated information constitutes a deceptive practice. Inaccurate or incomplete information could materially misrepresent my identity and result in adverse decisions regarding my financial and banking relationships. 
Be advised that failure to promptly add this address and confirm such update in writing will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for regulatory enforcement. 
I expect written confirmation of this change within 15 calendar days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
The inaccurate and negative information being reported on my credit file has had a severe and ongoing impact on both my personal and financial well-being. Because of these errors, I have been unfairly portrayed as a high-risk borrower, which has led to the following consequences : Denied Credit Applications : I have been denied access to essential lines of credit, including personal loans and credit cards, which I needed for everyday expenses and emergency situations.

Higher Interest Rates : On the few occasions when I was approved for credit, I was forced to accept excessively high interest rates due to the damage to my credit score, making borrowing much more expensive.

Employment Issues : Some employers check credit reports during the hiring process. I have lost out on job opportunities because of the negative and misleading information on my report. 
Emotional Distress : The stress and anxiety caused by being misrepresented to lenders, landlords, and others has taken a significant toll on my mental health. Constantly trying to correct errors has been emotionally exhausting and frustrating.

These consequences are not the result of my financial behavior but are instead due to incorrect and unverifiable information that should not be in my credit file. I am asking for a fair investigation and correction under the rights granted to me by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I believe my identity was compromised due to the * * 2024 XXXX XXXX XXXX XXXX * *, which exposed names, addresses, and Social Security numbers of millions of Americans. My personal information was likely accessed and misused as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I believe my identity was compromised due to the * * 2024 XXXX XXXX XXXX XXXX * *, which exposed names, addresses, and Social Security numbers of millions of Americans. My personal information was likely accessed and misused as a result.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lovitts Auto Sales Inc
State: NC

Complaint narrative:
I am filing a complaint against Lovitt Auto Sales ( XXXX. XXXX XXXX XXXX ) for originating a usurious auto loan and mishandling over {$1400.00} in pre-transfer installment payments.

The loan was originated on or about XX/XX/XXXX for a XXXX XXXX XXXX and was later assigned to XXXX XXXX XXXX XXXX. Lovitt accepted at least {$1400.00} in payments prior to assignment, but those payments were not applied or credited when the loan was transferred.

In addition : The contract included a 29 % APR, in direct violation of N.C.G.S. 24-1.1 ( c ) ( NC usury law caps at 16 % ) Lovitt failed to disclose accurate terms or issue any accounting of what was paid Their origination caused inaccurate and inflated reporting by XXXX XXXX to the credit bureaus I have disputed this loan as void and submitted all documentation to XXXX XXXX and the CFPB. I request a full investigation into Lovitt Auto Sales predatory lending practices, improper loan assignment, and failure to credit payments.

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 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>, I noticed a charge on my Affirm account from a company called XXXX, which I did not authorize. I immediately contacted Affirm to report it as unauthorized activity and submitted documentation, including a screenshot showing that XXXX is associated with online scams and no longer exists.

I spoke with Affirm customer support by phone and followed up multiple times by email. I submitted the requested information and completed their webform. Despite all of this, Affirm denied my dispute and claimed there was no billing error even though they acknowledged that I stated I never made a purchase and confirmed I may have experienced unauthorized activity. 

This is extremely frustrating because Affirm continues to hold me responsible for a charge I did not authorize, and they have not reasonably addressed the evidence I submitted. I believe Affirm failed to properly investigate my claim under the Fair Credit Billing Act. I am requesting that the charge be removed, that I not be held liable for this loan, and that any negative credit impact be prevented or reversed. 

Please help resolve this issue before my credit is affected further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX  of XXXX  XXXX, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There has been a number of credit report pulls on my credit report file. There has been 3 hard inquiries in the last week not initiated by 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: GA

Complaint narrative:
There has been a number of credit report pulls on my credit report file. There has been 3 hard inquiries in the last week not initiated by 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 non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
The account that is showing on my credit report isnt supposed to be there. If the school wrote off my debt in XXXX and the account was opened in XXXX, being that it is now 10 years later, it should not be showing on my credit today. That should have been gone a long time ago in XXXX. My credit should not be affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> I received the following email from Cash App : Hello XXXX, Were reaching out to help us gain a better understanding of some recent activity on your account.On XX/XX/year>, you sent a payment for the amount of {$87.00}, with " XXXX XXXX '' in the subject line. 

Please reply to this email with information detailing the purpose of the payment, including an explanation of what was being paid for with this transaction and your relationship to the recipient. 

Cash App has a policy to comply with U.S. laws regarding economic sanctions. Engaging in transactions that involve jurisdictions sanctioned by the United States, or engaging in any other activity that violates U.S. sanctions is prohibited under Cash App 's General Terms of Service. 

Please note that failure to respond to this email in five days will result in adverse action being taken against your account. 

Thank you in advance for your response. 



XXXX Cash App XXXX I then replied with this email two days later : Hello I have reached out to cash app. This is a restaurant in XXXX located at XXXX XXXX XXXX XXXX we ate at. I need my card unlock ASAP. I sent her my half of the bill. 

I did not receive a reply and replied with this email on XX/XX/year> : Dear XXXX, I am responding to your inquiry regarding the {$87.00} payment sent on XX/XX/year>, with the subject line XXXX XXXX. 



To clarify, XXXX XXXX is the name of a restaurant located in XXXX, XXXX, and the payment was made for a meal at that establishment. There is no connection to any sanctioned location or activity, and the transaction occurred entirely within the United States. 



I have responded within the time frame provided, and despite doing so, my Cash App account has been suspended without explanation or resolution. I have reached out through appropriate support channels but have yet to receive a response. 



Due to the lack of communication and the impact this has had on my access to funds, I have also filed a formal complaint with the Federal Trade Commission. 



I respectfully request immediate attention to this matter, and I expect a timely resolution or further clarification on the status of my account. 



Sincerely, XXXX XXXX I have still not received any information and no one has contacted me. Today is XXXX XXXX and I am still locked away from my {$340.00} in Cash App. I have called them 3 times. I have chat with them through the app more than 5 times. No one has given me answers. No one from the department that the call center and chat states I will receive an email from have reached out to me. I am desperate for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Bridge IT, Inc.
State: AZ

Complaint narrative:
Every month a small amount is taken out of my account. I even called my bank to stop this transaction and keeps happening. I have no recollection or desire to do business with this company. I don't even know what it is to be honest here. I see it time and time again. Hundreds of dollars over a period of years ( XXXX to XXXX ) of time being taken from my account. {$1.00} here and XXXX there and it keeps happening. I have emails upon emails to try and figure this out. The company says I don't have an account. Ok! So why are they continuing taken money from without my knowledge of them. I will attach pictures and emails if needed. It's an absolute headache and disaster to my already fragile credit and a waste of time and energy! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 have asked the credit bureaus to remove accounts that are not mine. I sent this request in XXXX and the accounts are still showing on my credit report. I would like for these accounts to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
I have asked the credit bureaus to remove accounts that are not mine. I sent this request in XXXX and the accounts are still showing on my credit report. I would like for these accounts to be removed immediately.

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