vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2023-12-15 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 XXXX 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 explanation
Consumer complaint received 2025-08-17 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 issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
This complaint concerns fraudulent and retaliatory reporting by Rent Recovery Solutions ( RRS ). On XX/XX/year>, my former landlord issued a false move-out statement. Just 16 days later, RRS sent me a collection notice for {$2900.00} without validation, in violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, I formally disputed the charges in writing. On XX/XX/XXXX, I received an email stating the case was in the process of dismissal. At that time, I was completely unaware of any legal action being pursued, confirming the debt was not valid and that escalation to collections was improper. 
Despite this, in XX/XX/year> RRS reported the collection to XXXX and marked it as paid without my authorization, consent, or paymentclear identity theft and fraudulent reporting under the Fair Credit Reporting Act. 
This unvalidated account caused severe cascading harm : an immediate XXXX credit score drop, denial of housing opportunities, and financial consequences including reduced credit limits, penalty fees, and restricted access to credit. This conduct is consistent with RRSs documented pattern of systemic abuse and retaliation against consumers. 
I request immediate deletion of this account from all credit bureaus, written confirmation that the debt is invalid and closed, assurance it will not be sold or re-reported, and correction of my credit report to restore my score to its prior standing. 
Please see the attached documents, including my formal dispute letter, proof of dismissal, and evidence of credit harm, for full details and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-17 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Formal Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681 To Whom It May Concern : I am contacting all three major credit bureaus to formally dispute and demand a full investigation into the unauthorized access and/or furnishing of my consumer credit report. Under 15 U.S. Code 1681b, a consumer reporting agency may only provide a credit report if the person or entity has a permissible purpose and usually only with my express consent. 

I have recently reviewed my credit report and noticed inquiries or data usage by third parties without my authorization. I did not provide consent, and I do not have any relationship, application, or initiated transaction with the party or parties in question. This is a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), which prohibits obtaining or using consumer information without a lawful reason. 

I hereby request : XXXX. A complete reinvestigation of this unauthorized access or furnishing of my report ; XXXX. The immediate removal of any inquiries or entries related to this violation ; XXXX. The full name, address, and contact information of any company or individual who accessed or received my credit report ; XXXX. A written explanation of how this access was deemed legally permissible under federal law. 

Please consider this letter a formal dispute and request under the FCRA. I have included copies of my government-issued ID and proof of current address for verification. I expect your findings and written response within the XXXX window required by law. 

If this matter is not resolved in compliance with the FCRA, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to explore legal action as appropriate. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX 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 2025-08-17 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX  XXXX, PA XXXX RE : Formal Dispute of Unauthorized Access to My Credit Report Under 15 U.S.C. 1681 To Whom It May Concern : I am contacting all three major credit bureaus to formally dispute and demand a full investigation into the unauthorized access and/or furnishing of my consumer credit report. Under 15 U.S. Code 1681b, a consumer reporting agency may only provide a credit report if the person or entity has a permissible purpose and usually only with my express consent. 

I have recently reviewed my credit report and noticed inquiries or data usage by third parties without my authorization. I did not provide consent, and I do not have any relationship, application, or initiated transaction with the party or parties in question. This is a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( f ), which prohibits obtaining or using consumer information without a lawful reason. 

I hereby request : XXXX. A complete reinvestigation of this unauthorized access or furnishing of my report ; XXXX. The immediate removal of any inquiries or entries related to this violation ; XXXX. The full name, address, and contact information of any company or individual who accessed or received my credit report ; XXXX. A written explanation of how this access was deemed legally permissible under federal law. 

Please consider this letter a formal dispute and request under the FCRA. I have included copies of my government-issued ID and proof of current address for verification. I expect your findings and written response within the XXXX window required by law. 

If this matter is not resolved in compliance with the FCRA, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and to explore legal action as appropriate. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I made a {$5300.00} purchase over the phone with XXXX XXXX, financed through Affirm. A few hours after payment, I contacted the sales representative to immediately request a refund and also contacted Affirm the same day to inform them of the situation. 

On XX/XX/year>, I sent a physical letter to XXXX reiterating my refund request and spoke with a supervisor who confirmed I would have been entitled to a refund if requested within XXXX hours. I explained that I had, in fact, requested it within that timeframe and have screenshots to prove it. 

Despite this, XXXX refused to issue a refund. I filed a dispute with Affirm and provided this explanation, but Affirm ruled in favor of the merchant and is continuing to enforce the financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TX

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 XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-08-17 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: NY

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 explanation
Consumer complaint received 2025-08-17 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: WI

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 explanation
Consumer complaint received 2025-08-17 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: WI

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 2025-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DailyPay, Inc
State: IA

Complaint narrative:
Daily pay said they overpaid me 2 months ago by {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
Experian ignored the evidence I provided in my disputes, including proof of payments and XXXX  contradictory portal messages. Instead of reviewing it, they rubber-stamped XXXX response and marked my disputes no change.

This is not a reinvestigation under FCRA 1681i. Experian is negligent, lazy, and violating the law by siding with a lender without considering clear proof. Experian ignored my proof of payments, which can not be fabricated. If clear payment evidence is ignored, who can consumers trust? Our credit reporting system is broken when it is this lazy and negligen
t.

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 2025-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have been a victim of identity theft due to the XXXX  XXXX breach, I have attached my identity theft report please remove and block these items, I have also attached the fair credit act law. please check attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I made a payment on XX/XX/year> in the amount of {$310.00} and received an e-mail stating Honda received my payment with confirmation number XXXX. There was a reversal of payment made on my account for that same amount and I did not receive any notification. I contacted representative XXXX on XX/XX/year> and he stated " the reason my payment never went through is because it takes a few days for payments to process while pending and my account ended up having insufficient funds. '' XXXX also stated on a recorded line for quality assurance " due to XXXX holiday, my payment was not going to be penalized and I was able to make the payment in the amount of {$310.00} on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, XXXX, & XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion, XXXX, & XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion, XXXX, & XXXX  in action violates federal law and my rights as a consumer.

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