vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have attempted to settle this account in good faith including certified mail, emails, and phone calls. The collector has refused to respond. I request that this be resolved or removed from my credit report as I am actively trying to pay. I have sent XXXX plus emails to them, I have called probably XXXX times and no one answers, Ive left voicemails and no call back, I have sent certified mail 2 times. I have offered to pay a lump sum of {$2000.00} for a {$4000.00} debt and they never respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made a purchase on XXXX using affirm. The total purchase from XXXX was XXXX however affirm states it was XXXX. Stating that was the amount charged by XXXX and I needed to talk to them. I called XXXX and they said no XXXX is correct and stated they sent it in XXXX transactions. I called affirm back and after again talking to someone that just kept telling me XXXX was correct I got to a supervisor they opened a ticket to look into it. I supplied them with the XXXX recipe. Couple days later it's closed simpley stating that they are correct and XXXX was the total which it's obviously not. I spent about XXXX trying to get this fixed with the company but they seem unwilling. Not to mention after they closed the ticket they changed the loan terms. All of which I believe are truth in lending violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " XXXX  '' or XXXX. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as XXXX  and XXXX  is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my XXXX XXXX and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-22 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: GA

Complaint narrative:
I am submitting this complaint to formally report the failure of Experian to conduct a proper reinvestigation of multiple inaccurate entries on my credit report. Despite submitting a detailed dispute letter citing violations of the Fair Credit Reporting Act ( FCRA ), Experian failed to remove or correct several charge-off and collection accounts that remain inaccurately listed. 

Many of these accounts involve creditors or collection agencies such as XXXX XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  I have never done business with, and some contain balances despite being charged off, which contradicts Metro 2 credit reporting guidelines. Other entries are duplicates or appear to have been re-aged or improperly verified. These practices violate : - FCRA 1681e ( b ) Duty to report with maximum possible accuracy - FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate information - FCRA 1681b and 1681e ( a ) Prohibition on unauthorized or irrelevant data inclusion Attached is a copy of my dispute letter sent to Experian, which outlines each disputed account and explains why it should be corrected or removed. 

I respectfully request that the CFPB investigate Experians handling of my dispute and ensure they comply with federal law by removing all unverifiable, inaccurate, or misattributed accounts.

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 2025-07-22 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: GA

Complaint narrative:
I am submitting this complaint to formally report the failure of Experian to conduct a proper reinvestigation of multiple inaccurate entries on my credit report. Despite submitting a detailed dispute letter citing violations of the Fair Credit Reporting Act ( FCRA ), Experian failed to remove or correct several charge-off and collection accounts that remain inaccurately listed. 

Many of these accounts involve creditors or collection agencies such as XXXX XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  I have never done business with, and some contain balances despite being charged off, which contradicts Metro 2 credit reporting guidelines. Other entries are duplicates or appear to have been re-aged or improperly verified. These practices violate : - FCRA 1681e ( b ) Duty to report with maximum possible accuracy - FCRA 1681i ( a ) ( 5 ) ( A ) Obligation to delete unverifiable or inaccurate information - FCRA 1681b and 1681e ( a ) Prohibition on unauthorized or irrelevant data inclusion Attached is a copy of my dispute letter sent to Experian, which outlines each disputed account and explains why it should be corrected or removed. 

I respectfully request that the CFPB investigate Experians handling of my dispute and ensure they comply with federal law by removing all unverifiable, inaccurate, or misattributed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

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 XXXX USC XXXX 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 explanation
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-22 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: WI

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate XXXX  XXXX XXXX account that is being reported on all three major credit bureaus : Experian, TransUnion, and Equifax. 

The account shows a balance of {$0.00} and is marked Paid in full for less than full balance, and Closed at credit grantors request. However, the account history also contains several reporting errors, including multiple entries marked Invalid Date under payment history, which is clearly inaccurate. 

I initially noticed the issue in XX/XX/year> and filed a dispute through the credit bureaus. In response, the account status was marked as Updated, but the inaccurate information including the invalid date entries and misleading closure language was never corrected. 

I followed up again in XX/XX/year> and still received no resolution or explanation. I have retained screenshots of the current credit report showing these reporting issues, which I have uploaded as part of this complaint. 

Under the Fair Credit Reporting Act ( FCRA ), information must be accurate, complete, and verifiable. The current state of this account violates those standards. Since the data continues to be reported inaccurately despite two good-faith disputes, I am now requesting the following : That this XXXX XXXX XXXXXXXX account be permanently deleted from Experian, TransUnion, and Equifax That I receive written confirmation of the deletion, or a detailed explanation of the outcome of any investigation Thank you for your attention to this matter. I am happy to cooperate further if additional documents or clarification are needed.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I filed a Regulation XXXX dispute with Chase Bank concerning unauthorized cryptocurrency transactions conducted through XXXX. Chase initially credited me, but later reversed the credit without providing the legally required written explanation or completing a good faith investigation as required under XXXX CFR XXXX ( d ). 
Chase failed to : Properly investigate within XXXX business days. 
Provide written notice before reversing the provisional credit. 
Furnish documentation relied upon to deny the claim. 
Re-investigate after I provided supporting evidence. 
These are direct violations of the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, including but not limited to XXXX, XXXX, XXXX, and XXXX. 
I am seeking full reimbursement of {$1500.00}, plus additional damages ( statutory and emotional ) due to XXXX negligence and non-compliance. 
I request that the CFPB compel Chase to correct this error, comply with federal banking laws, and compensate me for all damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am being charged overdraft fees when my account has a positive balance. On XX/XX/year> I was overdrawn XXXX. My paycheck came in on XX/XX/year> due to the pay XXXX days early. My paycheck was XXXX. I was charged a fee even though I had enough funds available.

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 2025-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I things on my credit with my name missed spelled, I have thinks on my credit report thats been payed off but still showing, I want to despute the student loans I am XXXX I cant pay them. I talked with them they supposed to have sent paperwork for me to fill out never got it.I want all negative items taking off.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-22 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:
I am an affected victim of XXXX and Experian data breaches. I am putting your agency on notice that my credit report contains fraudulent accounts that have severely damaged my XXXX credit scores. Enclosed are documents from Experian and Equifax verifying that my personal information was compromised in a breach. Under the full authority of the ( FCRA ) and the ( FDCPA ), I demand removal of these fraudulent accounts and all associated inquiries. The fraudulent accounts for immediate deletion are : XXXX. XXXX XXXX : xxxxxxx : Opened XX/XX/XXXX : Balance : {$13000.00} XXXX. XXXX  XXXX : XXXX : Opened XX/XX/XXXX : Balance : {$740.00} XXXX. XXXX XXXX XXXX : XXXX : Opened XX/XX/XXXX : Balance : {$3600.00} Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX is the 'digital wallet company ' that I use to receive payments for independent contract work and tutoring services. My account was limited on XX/XX/XXXX, with a claim that their was unusual activity occurring on my account. A payment in the amount of {$130.00} triggered the suspicion. Honestly, I was confused about the transaction because it said in the note 'friends and family ' and as an invoice to my backup email account. The person that sent the money to pay for my XXXX  services, stated that his XXXX account is a shared account and that he couldn't send the payment any other way. I agree that this is an unusual process and transaction ( via invoice ) because all previous consumers of my XXXX  service never sent money to my XXXX account in this manner. 

I went to access my XXXX account and was asked to upload XXXX and verify my identity, and so I did. After submitting verification, I was informed that the account was under review. Hours later, the update to the banner message switched to 'permanently limiting ' account after review. 

I contacted XXXX by phone, and they did not give me a reason for this limitation over than they could no longer support my account activity. 

This is causing unexpected hardship and loss of income. The company that I freelance for states that XXXX is the only way to be paid. I'm unable to pay my rent or feed my family as a result of this. My income from the company that I began on XX/XX/year>, until now has provided my family with a significant amount ( a year-to-date total of approximately {$11000.00} ) of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These inquiries seem unauthorized and came as a surprise. Please address this issue quickly and review the attached documentation.

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