vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXX XXXX  XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I am filing this complaint because XXXX is attempting to collect on multiple Affirm accounts that were impacted by a documented fraud incident in late XXXX and early XXXX. 

During that period, my linked bank account was repeatedly overdrawn due to fraudulent withdrawals unrelated to Affirm. I notified Affirm of the fraud and the account issues at the time and asked for help preserving my credit standing. Despite my communication, Affirm continued to auto-debit small loan payments ( about 20+ per month across multiple loans ) from an account that was already overdrawn, triggering a cascade of returned payments. 

This was not a case of me abandoning the debt it was a mishandled fraud-related hardship. Affirm should have paused collections and worked out a resolution, but instead they allowed the accounts to default and then transferred all balances to XXXX a few months ago for collection. 

XXXX is now pursuing me for these balances without acknowledging the underlying fraud, the mishandling by Affirm, or the fact that my credit has been severely damaged because of it. This harm is ongoing, as XXXX continues to report and attempt to collect on these accounts despite the dispute and the documented fraud, further damaging my credit and financial stability.

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

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the XXXXr Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, 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 XXXX and Equifax 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 XXXX and Equifax inaction 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
Consumer complaint received 2025-08-08 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX Account Number : [ XXXX ]

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

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In response to XXXX, I did not grant Capital One express permission or written consent to sell my information to a XXXX party affiliate under the Gram Leech Bailey Act and there was no full disclosure of material facts as well as evidence provided to me upon me getting denied opening a checking account where I can easily make payments. This matter constitutes a privacy rights violation where my personal information has been securitized as well as monetized without just compensation, my express written authorization or consent. What these entities are doing is engaging in constructive fraud to create, offer and sell, monetize and securitize bonds using my signature to do so.

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

Complaint narrative:
On XX/XX/XXXX, I paid off my mortgage with XXXXXXXX XXXX XXXXXXXX in full. Despite the loan being completely satisfied on this date, XXXX XXXX  reported erroneous derogatory information to the credit bureaus. 
Specifically, XXXX XXXX  reported my account as " 30 days past due '' and subsequently as " 60 days past due '' to the credit reporting agencies. Most egregiously, they reported me as " 60 days past due '' on XX/XX/XXXX - the exact same date I paid off the loan in full. This caused my credit score to drop by 60 points. 
On XX/XX/XXXX, I contacted XXXX XXXX  to dispute these inaccurate reports and requested they remove the erroneous late payment entries from all credit bureaus. 
On XX/XX/XXXX, later the same day, XXXX XXXX responded claiming they had reported " neutral comments '' for XXXX through XX/XX/XXXX and that their reporting was accurate. However, this directly contradicts the credit monitoring alerts I received showing active derogatory marks. They also stated the matter was " resolved '' without taking any corrective action. 
I have documentation showing XXXX  XXXX flagged my account as " 60 Days Past Due '' on XX/XX/XXXX, with a balance date of XX/XX/XXXX, and a current balance of {$0.00}. This proves they reported delinquency on the same day the loan was satisfied. 
XXXX XXXX  has failed to correct their inaccurate credit reporting despite clear evidence of their error. They refuse to acknowledge the contradiction between their claim of " neutral reporting '' and the actual derogatory marks appearing on my credit reports. 
I am requesting that XXXX XXXX  immediately remove all erroneous late payment entries from my credit reports and provide written confirmation that they have contacted all three credit reporting agencies to correct this inaccurate 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 explanation
Consumer complaint received 2025-08-08 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: UT

Complaint narrative:
On XX/XX/XXXX, I paid off my mortgage with XXXXXXXX XXXX XXXXXXXX in full. Despite the loan being completely satisfied on this date, XXXX XXXX  reported erroneous derogatory information to the credit bureaus. 
Specifically, XXXX XXXX  reported my account as " 30 days past due '' and subsequently as " 60 days past due '' to the credit reporting agencies. Most egregiously, they reported me as " 60 days past due '' on XX/XX/XXXX - the exact same date I paid off the loan in full. This caused my credit score to drop by XXXX points. 
On XX/XX/XXXX, I contacted XXXX XXXX  to dispute these inaccurate reports and requested they remove the erroneous late payment entries from all credit bureaus. 
On XX/XX/XXXX, later the same day, XXXX XXXX  responded claiming they had reported " neutral comments '' for XXXX through XX/XX/XXXX and that their reporting was accurate. However, this directly contradicts the credit monitoring alerts I received showing active derogatory marks. They also stated the matter was " resolved '' without taking any corrective action. 
I have documentation showing XXXX  XXXX  flagged my account as " 60 Days Past Due '' on XX/XX/XXXX, with a balance date of XX/XX/XXXX, and a current balance of {$0.00}. This proves they reported delinquency on the same day the loan was satisfied. 
XXXX XXXX  has failed to correct their inaccurate credit reporting despite clear evidence of their error. They refuse to acknowledge the contradiction between their claim of " neutral reporting '' and the actual derogatory marks appearing on my credit reports. 
I am requesting that XXXX XXXX  immediately remove all erroneous late payment entries from my credit reports and provide written confirmation that they have contacted all three credit reporting agencies to correct this inaccurate information.

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

Complaint narrative:
On XX/XX/XXXX, I paid off my mortgage with XXXXXX/XX/XXXXXXXX in full. Despite the loan being completely satisfied on this date, XXXX XX/XX/XXXXreported erroneous derogatory information to the credit bureaus. 
Specifically, XXXX XX/XX/XXXXreported my account as " 30 days past due '' and subsequently as " 60 days past due '' to the credit reporting agencies. Most egregiously, they reported me as " 60 days past due '' on XX/XX/XXXX - the exact same date I paid off the loan in full. This caused my credit score to drop by XXXX points. 
On XX/XX/XXXX, I contacted XXXX XX/XX/XXXXto dispute these inaccurate reports and requested they remove the erroneous late payment entries from all credit bureaus. 
On XX/XX/XXXX, later the same day, XXXX XX/XX/XXXXresponded claiming they had reported " neutral comments '' for XXXX through XX/XX/XXXX and that their reporting was accurate. However, this directly contradicts the credit monitoring alerts I received showing active derogatory marks. They also stated the matter was " resolved '' without taking any corrective action. 
I have documentation showing XX/XX/XXXXXX/XX/XXXXflagged my account as " 60 Days Past Due '' on XX/XX/XXXX, with a balance date of XX/XX/XXXX, and a current balance of {$0.00}. This proves they reported delinquency on the same day the loan was satisfied. 
XXXX XX/XX/XXXXhas failed to correct their inaccurate credit reporting despite clear evidence of their error. They refuse to acknowledge the contradiction between their claim of " neutral reporting '' and the actual derogatory marks appearing on my credit reports. 
I am requesting that XXXX XX/XX/XXXXimmediately remove all erroneous late payment entries from my credit reports and provide written confirmation that they have contacted all three credit reporting agencies to correct this inaccurate 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 2025-08-08 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: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received an alert about a new collection account added to my credit report. Upon reviewing the report, I discovered that two collection accounts were reported by National Service Bureau, showing the original creditor as XXXX XXXX  ( Personal Services ) for the amounts of {$2200.00} and {$4000.00}. 

I contacted TransUnion, but they were unable to provide any information about these accounts and referred me to contact either National Service Bureau or XXXX directly. 

I then contacted XXXX, and they confirmed there is no balance owed under my membership. My account remains open, active, and in good standing. 

On XX/XX/year>, I contacted National Service Bureau. They informed me that the collection accounts were under another individuals name, but claimed that I have a relationship with this person and therefore share responsibility for the debt. When I asked how they obtained my personal information, they stated, " We get paid to get this information. '' They also repeatedly asked me to confirm whether my name matched the one on my drivers license. Despite my concerns, they refused to take any corrective action and told me to dispute the matter with the credit bureaus instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX Charged-Off Account To Whom It May Concern : I am writing to dispute inaccurate and misleading information being reported on my Equifax credit file regarding a XXXX  XXXX account. This account is marked as Charged Off yet continues to reflect ongoing monthly late payments and derogatory statuses for dates well after the charge-off occurred. 

Specifically, the account reflects : XXXX XX/XX/XXXX : Late Payment notations XX/XX/XXXX XX/XX/XXXX : Derogatory status XXXX XX/XX/XXXX : Unknown status This reporting pattern is factually inaccurate and legally impermissible under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) because a charged-off account can not continue to accrue new monthly late-payment notations post charge-off. This creates a false impression of ongoing delinquency and is a deceptive representation of my payment history. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. 15 U.S.C. 1681i ( a ) also requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct it within 30 days. 

Case law supports my position : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), the court held that postcharge-off reporting of new late payments may mislead creditors and can be actionable under the FCRA. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court found that misleading credit reporting that creates a materially false impression of a consumers payment status violates the FCRA. 

The continued monthly reporting of late or derogatory statuses after a charge-off re-ages the debt and falsely suggests ongoing delinquency, which is misleading and damaging to my creditworthiness. 

Demand for Action : 1. Conduct a full reinvestigation of this XXXX XXXX account. 
2. Provide the method of verification you used to confirm the accuracy of the postcharge-off payment reporting.

3. Remove all inaccurate payment history after the charge-off date and correct my credit file accordingly.

4. Provide me with an updated copy of my credit report reflecting these corrections. 

Failure to comply with the FCRA may result in legal action seeking statutory damages, actual damages, attorneys fees, and costs under 15 U.S.C. 1681n & 1681o. 

This letter serves as formal notice under the FCRA. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation