vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
There are currently fraudulent/unauthorized AFFIRM accounts reporting on my credit file.

According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately.

There are also 24 hard inquires in my credit file that are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 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 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 2025-06-21 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: TX

Complaint narrative:
Let me make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). 
These reporting errors are having a substantial and ongoing negative impact on both my financial stability and personal well-being. This situation is placing an undue burden on me, especially during an already challenging time.

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 2025-06-21 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX stated I owe money for a phone that was paid off. XXXX XXXX stated I owe for the last telephone bill which was paid. 
Now XXXX XXXX states I owe for a bill from before XXXX acquired them. 
XXXX does not have nothing that stated I had an account with XXXX. XXXX does not have an Agreement between myself and XXXX. XXXX does not have a contract between myself and XXXX. XXXX continues to send debt collectors trying to remit payment I do not owe XXXX. 
XXXX fraudulently gave my information to a 3rd party debt collector without my knowledge and as they stated not having an account without no agreements nor signatures to 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 2025-06-21 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: IL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-21 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: GA

Complaint narrative:
I am requestin infomation be removd from my file. The information to be removed is in this report. The charge on this report was not made by me, and I am a identity theft victim. Remove the items from this report so tht I may repair my credit report. I contacted the Federal Trade Commission regarding this identity theft, and hav includ copies of their Identity Theft Affidavit. Remove the items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MD

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has been reported under my name. This account was opened without my knowledge, without my consent, and without my authorization. It is the result of unauthorized use of my identity in other words, fraud and it has absolutely nothing to do with me.

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 2025-06-21 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: FL

Complaint narrative:
I recently received a denial notice from a bank due to my applying for a mortgage and that is when I obtained my credit report and saw accounts that I didn't authorize on my credit report. I have reached out to the credit bureaus and to no avail the fraudulent accounts are still listed on my credit report as of XXXX25. I am attaching the accounts that are not authorized by me that I am having issues being deleted and blocked on my reports.

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 2025-06-21 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing a late payment listed on my credit file. I have verified through both my financial institution and billing records that the payment in question was made prior to the due date and therefore should not have been reported as late. This inaccurate reporting undermines my strong history of on-time payments. I am requesting that you please review this error and correct it by removing the late payment from my credit report immediately.

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 2025-06-21 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: TN

Complaint narrative:
Subject : Dispute Regarding XXXX Student Loan Reporting and Credit Score Impact On XX/XX/year>, I experienced a XXXX drop in my credit score due to negative reporting by XXXX related XXXX my student loan. Prior to this report, I received no notice or communication from XXXX indicating a missed payment, potential delinquency, or upcoming derogatory reporting. 

Under 15 U.S. Code 1681i ( Section 611 ( a ) ( 1 ) ( A ) ), furnishers like XXXX are required to follow reasonable procedures to ensure the maximum possible accuracy of the information before reporting it. XXXX XXXXilure to notify me or verify the accuracy of the status directly conflicts with these legal obligations. 

XXXX is currently under intensive legal scrutiny for multiple consumer protection violations. In XXXX XXXX XXXX, the XXXX XXXX XXXX California recently denied XXXX motion to dismiss a class-action accusing them of failing to implement federal loan discharges and continuing to report debts after borrower obligations were officially discharged Additionally, the XXXX XXXX XXXX XXXX has filed a lawsuit alleging that XXXX engaged in illegal billing practices, failure to provide timely notices, call deflection tactics that obstruct borrowers, and unauthorized account actions These wider patterns of misconduct lend weight to my dispute. My particular experience reflects the same disregard for legal obligationsnegative credit reporting without any verifiable basis or notice imposed without due process. 

I am about to begin classes at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, and this undue credit damage threatens my access to financial aid, housing, and other essential resources. This makes swift correction all the more critical.

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 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My AMEX gift card was not working and declining everywhere. I was tired of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
This complaint is filed separately due to the CFPBs system limitation of three companies per submission. It is directly related to CFPB Complaint ID XXXX, which was submitted against XXXX XXXX XXXX XXXX  and XXXX  on XX/XX/year>2025. 

I am now including TransUnion because it continues to report a tradeline submitted by XXXX XXXX, XXXX  that contains inaccurate and unverifiable information despite receiving a formal dispute via certified mail in early XX/XX/year>2025. 

TransUnion has failed to : Acknowledge the dispute by marking the tradeline as disputed as required by FCRA 623 ( a ) ( 3 ).

Investigate the account properly, despite clear reporting errors such as : A Date of First Delinquency ( DOFD ) that predates the Date Opened.

No payment history, no credit limit, and no itemized billing.

A static balance with no supporting structure. 
Take any action after XXXX Funding failed to validate the debt or provide the legally required documentation under FCRA and FDCPA. 

XXXX  response ( received XX/XX/scrub> 2025 ) lacked basic validation no signed contract, no billing records, and no chain of title. Despite this failure, TransUnion continues to publish the tradeline without flagging or removal, in violation of FCRA 607 ( b ) and 611.

This complaint seeks immediate regulatory review of TransUnions reinvestigation procedures and a directive to delete the unvalidated tradeline.

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 2025-06-21 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: FL

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   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 Equifax XXXX XXXX EquifaxXXXX XXXXXXXX XXXX Equifax\nXXXX XXXXXXXX Equifax'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment. 
Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXX XXXX XXXX  ( TransUnion, Experian, Equifax ) XXXX Late payments Date Opened XX/XX/XXXX XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion, Experian ) XXXX Late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion XXXX Experian, Equifax ) {$6500.00} Educational late payment XXXX XXXX XXXX TransUnion XXXX Experian XXXX Equifax ) {$4000.00} XXXX late payment Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax XXXX {$2600.00} XXXX late XXXX Date Opened XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$2000.00} XXXX late XXXX Date XXXX XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$1000.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX ( TransUnion, Experian, Equifax ) {$780.00} Educational late payment XXXX XXXX XX/XX/XXXX XXXX previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : XXXX. A formal investigation into the reported late payment XXXX. Documentation validating its accuracy XXXX. Removal or correction if the furnisher can not prove the payment was late

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 2025-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Account # XXXX. Creditor XXXX XXXX XXXX XXXX. Im unaware of this debt and didnt have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete Account # XXXX. Creditor. XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal 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 2025-06-21 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXXXXXX 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

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 2025-06-21 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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