vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
AFFIRM INC XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Inaccurate Late Payment Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late payment ( s ) reported on my credit report for the above-referenced account. According to my records, the payment ( s ) reported as late on [ insert specific date ( s ) ] were either made on time or are otherwise inaccurately reported.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, and I request a prompt investigation into this matter. Please provide : 1. Verification and documentation showing when the payment ( s ) were received ; 2. The date the creditor claims the payment ( s ) became delinquent ; 3. A copy of the payment history or billing statement showing the reported delinquency.

If the information can not be verified or is inaccurate, I respectfully request that the late payment entry be removed or corrected in my credit file.

I would appreciate your written response within the 30 days as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On the XXXX of XX/XX/year>2025 I received a copy of my credit report from Experian I discovered inaccurate information on it. On the XXXX of XX/XX/year>2025 I disputed the inaccuracy with Experian. 

Experian failed to correct the inaccuracies or conduct a reasonable investigation. The inaccuracies continue to appear on my report as of XXXX XX/XX/year>2025 causing repetitional damage and rejections from creditors whom Im seeking credit or loans with.

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 2025-05-07 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: Driveway Finance Corporation
State: CA

Complaint narrative:
Please immediately delete this account immediately, the XXXX days have ended since asking for proof of verification method and none has been furnished. This account is linked to an address not on my credit report. Furthermore, theres no proof that i signed a contract for that specific amount of loan because I didn't. Driveway finance says it was for XXXX XXXX loan for a car, i never had a car loan for that amount. Delete immediately. You will not be able to furnish a signed by me copy of a loan for that amount in your systems it doesn't exist thats why you haven't sent proof of said signed copy. I did not take out this loan. I know nothing of this loan. I have never had a car worth XXXX. This is not mine for sure delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-05-07 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 morning, I discovered incorrect accounts listed on my credit report, and Im unsure how they got there. I reviewed my report as I regularly do, but unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a technical error, but nothing changed. Given this problem, Im requesting a careful review of the documents Ive provided to ensure this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am filing this complaint because a charged-off account from XXXX XXXX has been reported inaccurately and inconsistently across all three credit bureaus since XXXX, despite my repeated disputes. 

This violates the Fair Credit Reporting Act ( FCRA ) especially Sections 607 ( b ) ( duty to report with maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate ). 

Here are the material, verifiable conflicts : XXXX. Creditor Name Conflict : TransUnion : XXXX XXXX Equifax : XXXX XXXX XXXX Experian : XXXX XXXX XXXX. Account Type Conflict : Experian : Unsecured TransUnion/Equifax : Installment loan 3. Charge-Off Status Conflict : Experian : Account charged off with {$4800.00} written offbut still lists full {$7300.00} as past due TransUnion & Equifax : Report full {$7300.00} as balance, with no write-off mentioned 4. Status Update Inconsistency : Experian : Status last updated XX/XX/XXXX, but balance updated XX/XX/XXXX TransUnion/Equifax : Status last updated XXXX XXXX XXXX. Creditor Address Conflict : TransUnion & Experian : XXXX XXXX XXXX XXXX, XXXX  Equifax : Address in XXXX XXXX, XXXX  6. Dispute Status Conflicts : Experian : Disputed, meets FCRA requirements Equifax : Reinvestigation in progress TransUnion : Disputed by consumer ( Credit Score Impact ) : Because of these unresolved inconsistencies, my credit scores differ drastically across bureaus : Experian : XXXX TransUnion : XXXX Equifax : XXXX This XXXX point spread is not due to other factors, but entirely driven by how this one XXXX account is being reported differently every month by each bureau. Lenders use different bureaus, so I am receiving inconsistent approvals, denials, and ratescausing material harm to my credit and financial opportunities. 



Furnisher Response : In XX/XX/XXXX, XXXX XXXX responded to my dispute with a statement saying they reviewed the information and are accurately reporting the account. This is completely insufficientthey failed to address the factual conflicts in name, type, balance, and dates across the bureaus. 

-You cant report {$4800.00} forgiven and claim {$7300.00} is still past due. This directly contributes to my big score gaps between bureaus. That implies they wrote off nearly {$5000.00}, but you still owe more than that total balance, which makes no mathematical or legal sense. 

Under FCRA and Metro 2 credit reporting standards : A charged-off account must either show the written-off amount ( what the creditor no longer expects to collect ), Or the remaining balance owed, But not both without clear reconciliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
Please check the information concerning equifax data breach Below in attachments XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, sc XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year> Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, sc XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year> Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX : Dispute of Incorrect Account Status Request for Correction Account Number : XXXX To Whom It May Concern, I am writing to dispute the inaccurate reporting of an account listed under SELF FINANCIAL/LEAD BANK with account number XXXX on my credit report. The account is currently being reported as open, but it was closed on. XX/XX/XXXX According to my records and documentation from the creditor, this account was officially closed and should be reflected as such. Reporting it as open is inaccurate and may negatively affect my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this discrepancy and update my credit report to reflect the correct status of this account as closed. 
Please confirm in writing once the investigation has been completed and the necessary corrections have been made. I appreciate your attention to this matter and expect your response within the XXXX time frame as required by the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I am writing to formally request the immediate removal of a late payment entry currently appearing on my account. This entry is inaccurate and does not reflect my long-standing record of timely and consistent payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
Central portfolio Contacted family member and my employer, I have no clue where this debt is from, selling my personal information to a XXXX party is a violation of my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I transferred approximately {$50000.00} to {$68000.00} in USDC using my Robinhood account. I later discovered these funds were used on an online gambling platform ( ggpoker.com ), which I did not know was operating illegally under U.S. law.

I cooperated fully with Robinhoods investigation and submitted all requested documents, including ID, bank statements, and verification photos. Instead of offering a resolution or assistance, Robinhood permanently closed my account and provided no refund, no breakdown of my final balance, and no accountability for failing to block or flag transfers to a high-risk, unlawful destination.

I am asking for a full investigation into Robinhood 's compliance with federal financial protection laws, including the Unlawful Internet Gambling Enforcement Act ( UIGEA ), and to determine whether this account closure and refusal to refund violated consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I paid my apple card in the ammount of XXXX. The payment went through and my credit line was increased accordingly. The money was deducted fromy my associated bank account ( XXXX ) that I have used routinely to pay this credit card bill. Two days later I was informed via the apple wallet app that the payment was declined. I am now paying additional interest and late fees. XXXX has confirmed on their end the payment went through and the money is gone from my checking account. Goldman Sachs ( Apple Card ) says they have no info and it was declined. When I asked if I should attempt another payment or take the fees they did not have advice. Nobody knows where my money is at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Incorrect information personal on my credit report : Experian : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX FTC Report Number : 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-05-07 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: 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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-07 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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