vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-05 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: LA

Complaint narrative:
EXPERIAN has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under XXXX5 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which EXPERIAN has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-08-05 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: KY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: OH

Complaint narrative:
My credit report shows that I have a delinquency from MOHELA. I was unaware that I had a MOHELA account or that I was to owe back my student loans because I am still a XXXX XXXX XXXX currently. My credit report showed that my score dropped over night when I had no idea of the balances due or that I had to pay anything back because there was no communication on MOHELAs end until they tried to collect debt when I was already in delinquency. I made a dispute of these through transunion and am waiting for the response.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX : Affirm , Inc . 
Account Type : Installment Loan Issue : Furnishing or reporting inaccurate information Sub-Issue : Account reported without written consent Status : Charged Off / Written Off I am filing a formal complaint against Affirm Inc., the original creditor on an account that is being reported to the credit bureaus as Charged Off / Written Off. Upon reviewing my credit reports, I noticed that Affirm has reported this account without my written consent, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As outlined in 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific permissible purposes, including when the consumer has given written authorization. I never provided such written consent to Affirm Inc. to furnish or report this account to any consumer reporting agency.

Furthermore, 15 U.S.C. 1681a ( c ) defines what constitutes a consumer report and under what circumstances it may be shared. Since I did not authorize this account to be reported, Affirm Inc. is not in compliance with the permissible purpose requirements under the FCRA.

I am requesting the following : * A copy of the written authorization Affirm Inc. claims to have that allows them to report this account.

* An immediate removal of this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ) if no valid written permission can be provided.

* A full investigation into Affirm Inc.s data furnishing practices related to this account.

This unauthorized reporting has negatively impacted my creditworthiness and financial reputation, and I am requesting swift corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-05 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally disputing an account listed on my credit report that does not belong to me. I have never signed up for, agreed to, or had any contact related to 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 explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute of Inaccurate and Unverifiable Credit Reporting by Equifax To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau regarding Equifaxs ongoing reporting of inaccurate, unverifiable, and misleading information on my credit file despite multiple disputes filed starting XX/XX/year>. It has now been well over XXXX to XXXX  days with no proper resolution, in violation of the Fair Credit Reporting Act ( FCRA ). 
The accounts in question are : XXXX  XXXX XXXX XXXX account # XXXX {$280.00} Status : Closed, paid in full, in good standing XXXX XXXX account XXXX XXXXXXXX {$2100.00} Status : Closed, paid in full, in good standing XXXX XXXX XXXX  XXXX {$0.00} Status : Paid in full and closed Concern : Still reported with a status of Needs Attention, which is inaccurate and unsubstantiated Despite these accounts being resolved in good standing, Equifax continues to report : Unknown or missing payment history Unverified last payment dates Undefined or misleading current payment status Unclear worst payment history status In some instances, a charged off designation without supporting documentation This misreporting misrepresents my creditworthiness and has potentially harmful consequences on my financial profile. I am requesting the CFPB investigate this matter and ensure that Equifax : XXXX. Provides clear, documented verification of each reported item related to these accounts XXXX. Removes or corrects any inaccurate, unverifiable, or outdated data XXXX. Issues written confirmation of updates to my credit file Thank you for your assistance in holding credit reporting agencies accountable to fair and accurate practices as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is XXXX XXXX  accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
Formal Complaint Regarding Square Risk Reserve Policy To Whom It XXXX Concern, I am submitting this formal complaint regarding the 20 % risk reserve that has been placed on the account of XXXX XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, effective as of XX/XX/year>. Our XXXX account is registered under the email address XXXX. 

We are a small, veteran-owned mobile repair business with a clean payment record and no history of chargebacks, disputes, or fraudulent transactions. The 20 % reserve being withheld from all card payments is having a significant impact on our operational cash flow and ability to serve customers. This decision has been applied without any prior notice or individualized risk review. 

When we contacted XXXX XXXX to request a review or reconsideration, we were informed that the reserves are applied to all accounts and can not be removed. We specifically asked for the metrics or criteria that triggered this action and received no specific explanation beyond a referral to generic Terms of Service. This lack of transparency and the one-size-fits-all policy raise serious concerns about fairness and the ability for legitimate small businesses to operate effectively using the platform. 

We respectfully request that your office investigate this matter and Squares implementation of risk reserves. We ask whether their practices align with fair business standards, and whether merchants are being given due process and the opportunity to address or appeal decisions that affect their ability to access earned income. 

We are open to discussing this further and providing any necessary documentation of our payment history or communications with XXXX. 

Sincerely, XXXX XXXX Owner, XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
II was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-05 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: MO

Complaint narrative:
i qualify for a {$200.00} bonus after XXXX business days and never received the bonus " XXXX  To qualify for this offer, ( XXXX ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( XXXX ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within XXXX  days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. Limit XXXX ( XXXX ) offer per account. Offer may not be transferred to others, exchanged for other offers, or redeemed for cash. Not valid with any other offer. Void where prohibited. Sponsor : XXXX XXXX XXXX XXXX XXXX, XXXX, Member FDIC XXXX XXXX XXXX and XXXX  are not affiliated in any way with this optional offer and do not endorse or sponsor this offer. ''

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 2025-08-05 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$3500.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation