vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I am filing this complaint against Affirm XXXX IncXXXX for inaccurate and incomplete reporting of the following accounts to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 : Account Numbers XXXX XXXX XXXX and XXXX. This inaccurate reporting is causing significant harm to my creditworthiness.

The above accounts are reported as charged off on my XXXX credit report. However, the payment history is inaccurate and incomplete, lacking sufficient detail to determine when the accounts were first late. This makes the charge-off status unverifiable and incomprehensible. I previously disputed these accounts through XXXX online portal and mailed a dispute letter to Affirm , Inc. on XX/XX/year>, Affirm , Inc. has failed to correct or remove the inaccurate reporting, violating FCRA requirements for accurate and verifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX * * * - Date Opened XX/XX/year>

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$35000.00}, XXXX XXXX XXXX XXXX  XXXX balance {$29000.00}, XXXX XXXX balance {$4100.00}, XXXX XXXX balance {$10000.00}, Ally financial balance {$33000.00}, XXXX XXXX XXXX balance {$25000.00}, XXXX XXXX, auto balance {$0.00}, XXXX XXXX XXXX XXXX balance {$80000.00}, XXXX XXXX XXXX balance {$460.00}, XXXX XXXX balance {$9600.00}, XXXX, XXXX XXXX  balance {$500.00}, XXXX  XXXX funding balance {$73000.00}. All of these accounts were as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact, therefore exist. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$35000.00}, XXXX XXXX XXXX XXXX  XXXX balance {$29000.00}, XXXX XXXX balance {$4100.00}, XXXX XXXX balance {$10000.00}, Ally financial balance {$33000.00}, XXXX XXXX XXXX balance {$25000.00}, XXXX XXXX, auto balance {$0.00}, XXXX XXXX XXXX XXXX balance {$80000.00}, XXXX XXXX XXXX balance {$460.00}, XXXX XXXX balance {$9600.00}, XXXX, XXXX XXXX  balance {$500.00}, XXXX  XXXX funding balance {$73000.00}. All of these accounts were as a result of identity theft.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.

Complaint narrative:
CFPB closes my previous complaint and it was not resolved! Mr. Cooper said on the complaint response they would report by XX/XX/XXXX and they haven't. They also have not provided a letter of explanation that we need to provide the FBI and our other creditors that we lost because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I couldnt pay this bill due to me being laid off.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am opening a complaint on TransUnion due to them replacing a debt on my credit report and failing to remove it. 

I reached out to XXXX XXXX XXXX about this debt and they told me that they were no reporting this debt, however, TransUnion will not remove it. I called TransUnion at ( XXXX ) XXXX on XX/XX/XXXX at XXXX EST and the rep was very rude. There is nothing XXXX has to collect so whats so hard about removing this debt? As well as the account being reported has a high balance at {$0.00}, which is automatic removal. But TransUnion are being lazy and not actually investigating leave me, ( the consumer ) here to suffer. I I will attach the proof of the {$0.00} balance as well as what TransUnion is reporting for {$75.00}. Also they have this account being reported as OPEN meanwhile, the XXXX XXXX XXXX website says other wise. This is a violation of the Fcra

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last 4 ssn XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, Re : Unauthorized Hard Inquiry Demand for Immediate Removal I am writing to notify you that an unauthorized credit inquiry by your company has been detected on my consumer credit file. I have no record of authorizing or consenting, either verbally or in writing, for you to access my credit report.

You are in direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : You are prohibited from obtaining a consumer report without a permissible purpose explicitly authorized by law and/or without my express written consent.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681q : It is a federal violation to knowingly and willfully obtain a consumer report under false pretenses.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n and 1681o : You are liable for willful or negligent noncompliance with the FCRA, and subject to actual damages, punitive damages, and attorneys fees.

Federal Trade Commission ( FTC ) Guidance : Pulling a consumer report without authorization constitutes an actionable violation under the FCRA.

Because you have no permissible purpose and no legally valid authorization to access my consumer report, I am demanding the immediate deletion of your inquiry from my credit profile.

If you fail to comply within 15 days of receipt of this letter, I will proceed with filing a demand for arbitration against your company under the rules of the American Arbitration Association ( AAA ) or JAMS, where I will seek : Statutory damages for each violation, Punitive damages, Costs of arbitration, Attorneys fees, And any other relief allowed under the law.

Consider this your formal notice and final opportunity to resolve this matter amicably before escalation.

Please send confirmation in writing that you have directed all consumer reporting agencies to remove the unauthorized inquiry.

You may forward your response to my address listed above. 
Govern yourself accordingly. 

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 2025-04-26 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-26 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: CA

Complaint narrative:
In XX/XX/XXXX, I was the victim of identity theft involving fraudulent credit card accounts opened in my name without my knowledge or consent. Specifically, accounts with XXXX Bank, XXXX, and XXXX XXXX Bank were opened and used to accumulate debt. I did not authorize these accounts or transactions, and I had no knowledge of them until reviewing my credit report. 

I filed an official police report with the XXXX XXXX Police Department ( Incident # XXXX ) on XX/XX/XXXX, detailing the fraudulent activity under the offense of False Personation to Receive Money or Property. 

Despite this, these accounts remain on my credit report as charge-offs or derogatory accounts, which are negatively impacting my credit profile. I have already disputed these items and submitted supporting documentation, including the police report, but the accounts are still listed. 

I am requesting a full reinvestigation and the permanent removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, which allows identity theft victims to block fraudulent information.

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 2025-04-26 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:
In XX/XX/XXXX, I was the victim of identity theft involving fraudulent credit card accounts opened in my name without my knowledge or consent. Specifically, accounts with XXXX Bank, XXXX, and XXXX XXXX Bank were opened and used to accumulate debt. I did not authorize these accounts or transactions, and I had no knowledge of them until reviewing my credit report. 

I filed an official police report with the XXXX XXXX Police Department ( Incident # XXXX ) on XX/XX/XXXX, detailing the fraudulent activity under the offense of False Personation to Receive Money or Property. 

Despite this, these accounts remain on my credit report as charge-offs or derogatory accounts, which are negatively impacting my credit profile. I have already disputed these items and submitted supporting documentation, including the police report, but the accounts are still listed. 

I am requesting a full reinvestigation and the permanent removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, which allows identity theft victims to block fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-26 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:
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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: TN

Complaint narrative:
I am filing this FTC Identity Thef t Affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft t and fraud. These fraudulent accounts consist of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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