vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe may be inaccurate. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting an investigation into these accounts, and if they can not be verified as correct, they must be removed from my report.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am disputing one or more accounts reported by Affirm XXXX XXXX XXXX XXXX that I believe to be inaccurate, incomplete, or potentially the result of identity theft. Specifically, the accounts in question are : Account Number : XXXX Date Opened : XX/XX/year> Status : Charge-Off Account Number : XXXX Date Opened : XX/XX/year> Status : Charge-Off I formally submitted a dispute to Affirm, requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ). I believe these accounts may be fraudulent or can not be properly verified. Affirm has failed to provide sufficient verification or remove the inaccurate data from XXXX credit report. 

This reporting is damaging my credit and does not reflect accurate or verifiable information. I am requesting that the CFPB assist in ensuring Affirm conducts a proper reinvestigation and either validates the accounts with supporting documentation or deletes the accounts from my credit file with Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 Systems,Inc.
State: TX

Complaint narrative:
NATIONAL RECOVERY AGEN AND NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN AND NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX 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
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: LA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed for Chapter XXXX bankruptcy under case number XXXX in the Northern XXXX XXXX Texas XXXX and the case was fully XXXX on XX/XX/year>. XXXX XXXX was listed in my bankruptcy schedules as a general unsecured creditor, and the account was eligible for discharge under 11 U.S.C. 727.

Despite this, Upgrade Inc. continues to report the account to Equifax with a charge-off status and no mention that it was included in or discharged through bankruptcy. While the balance is now showing as {$0.00}, the reporting still reflects a derogatory status and outdated comments that are both misleading and inaccurate. No reference is made to the bankruptcy discharge, and no update has been made to correct the tradeline. 

I have submitted disputes to Equifax with documentation, including my discharge order and bankruptcy schedules. However, the account still reflects outdated derogatory language rather than accurate post-bankruptcy reporting. This misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and ignores the protections granted under the U.S. Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Filed a dispute with TD Bank. We do not shop at XXXX 's and did not have our physical card as we load onto our gpay. I disputed the XXXX charges as not ours we do not support XXXX over how it treats veterans. TD BANK states the charges look similar to our lowes charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I recently contacted XXXX XXXX Mortgage as I had a modification entered to skip XXXX and XXXX payment and resume payments in XXXX. The rep told me no late payments would be issued. I then received a 30 day notice. I demand this late be removed as it is reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I recently contacted XXXX XXXX Mortgage as I had a modification entered to skip XXXX and XXXX payment and resume payments in XXXX. The rep told me no late payments would be issued. I then received a 30 day notice. I demand this late be removed as it is reporting incorrectly.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Respondents : - Equifax XXXX XXXX, XXXX - Experian Information Solutions , Inc . 
- TransUnion XXXX - XXXX XXXX XXXX ( data furnisher ) Subject : Inconsistent and Inaccurate Reporting of XXXX XXXX XXXX Account XXXX of the Complaint : I am filing this complaint regarding inaccurate and inconsistent credit reporting of a XXXX XXXX XXXX account across the XXXX credit bureaus. 
- Equifax reports this account under account number XXXX * * * * * - Experian and TransUnion report this same account under account number XXXX Despite being the same account ( same open date of XX/XX/XXXX, same {$500.00} credit limit, same {$500.00} past due balance ), the inconsistent account numbers create confusion and harm my credit report. 
Additional discrepancies include : - Equifax XXXX Experian show XXXX late payments, while TransUnion XXXX XXXX late payments. 
- Equifax XXXX Experian list the account as XXXX XXXX, while TransUnion lists it only as Closed. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which requires furnishers to report information accurately and consistently. These reporting failures are materially misleading and damaging to my creditworthiness. 
Requested Relief : XXXX. XXXX removal of this XXXX XXXX XXXX account from my credit reports with Equifax, Experian, and TransUnion. 
XXXX. That penalties and enforcement actions be imposed against XXXX XXXX XXXX and the credit bureaus for failing to maintain accurate and consistent reporting. 
XXXX. Written confirmation that this account has been permanently deleted from my credit history. 
XXXX. Compensation for damages caused by these reporting errors, including credit denials and reputational harm. 
Supporting Evidence : Attached are screenshots from XXXX showing the inconsistent reporting across Equifax, Experian, and TransUnion. 
Signature : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2025

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 2025-09-22 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: Westlake Services, LLC
State: IN

Complaint narrative:
I am writing to formally dispute and request the immediate removal of one or more unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge, permission, or written consent, and I did not apply for credit with the listed companies. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written authorization of the consumer in connection with a credit transaction initiated by the consumer.

Additionally, under applicable state consumer protection laws, unauthorized access to my credit file may constitute a violation of privacy and identity theft, subject to civil and/or criminal penalties.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : 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

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: IN

Complaint narrative:
" I am disputing a debt that has appeared on my credit report without my knowledge, authorization, or consent. I was never notified, billed, or provided documentation regarding this alleged debt. I believe this entry is inaccurate and potentially fraudulent. I am requesting a full investigation and removal of this item from my credit report. The creditor/debt collector has not provided proper verification of the debt as required by the Fair Credit Reporting Act ( FCRA ). ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
Re : Research Request : Incorrect information reporting to my consumer report. Date : XX/XX/year> Company Name : XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 1681n - Civil liability for willful noncompliance. Please remove from my consumer report. Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Company Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Please delete this account.

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 2025-09-22 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:
Re : Research Request : Incorrect information reporting to my consumer report. Date : XX/XX/year> Company Name : XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 1681n - Civil liability for willful noncompliance. Please remove from my consumer report. Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Company Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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