vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute the accuracy of a charge-off account reported by XXXX XXXX  XXXX XXXX Acct XXXX ) on my Experian credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Experian must follow reasonable procedures to assure maximum possible accuracy. The tradeline in question contains material inconsistencies and does not comply with required XXXX XXXX reporting standards : The account is listed as Paid charge-off / closed, yet Experian continues to reflect [ insert exact defects you see : balance showing after payoff, inconsistent XXXX, late payment notations after closure, or any mismatch versus XXXX/XXXX  ] XXXX 
Across bureaus, the same account reports different dates/statuses, creating a misleading and inaccurate representation of my creditworthiness. 
XXXX XXXX XXXX fields ( XXXX, account status, payment history grid ) are not uniform and therefore unverifiable. 

These conflicts demonstrate Experian has not maintained reasonable procedures to ensure accuracy as required by the FCRA.

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: WA

Complaint narrative:
I am filing this complaint against AFNI because they have failed to respond to my lawful debt validation request and continue to send collection notices for a debt that has not been substantiated. 

Background Timeline : XXXX : I was involved in a vehicle accident and paid a claim related to the vehicle I damaged. To my knowledge, this matter was fully resolved. I can provide claim documentation if needed. 

XX/XX/XXXX : I received a collection notice from XXXX XXXX for Claim # XXXX. I promptly sent a written request for clarification, stating my belief that this may be an error because I had already resolved a related claim in XXXX. I requested documentation explaining the debt, how liability was determined, and why this was not previously disclosed. 

XXXX XXXX XXXX : They only provided a one-page payment summary stating XXXX {$50000.00}. They did not provide the requested documentation or explanation of liability. 

XX/XX/XXXX : I received another letter from XXXX XXXX demanding {$84000.00}. I immediately sent a second written request demanding validation under the Fair Debt Collection Practices Act ( FDCPA ), including : Documentation proving I am legally obligated to pay. 

Explanation of how liability was determined. 

Evidence and findings leading to this determination. 

Clarification of why the claim was not included in prior documentation. 

I also stated that until proper validation is provided, they must cease collection and not report the debt to credit bureaus. 

No Response Received : Despite my written request, I never received any validation or supporting documentation from XXXX XXXX. 

XX/XX/XXXX : I then received a collection letter from AFNI for the same claim, again demanding {$84000.00}. This letter included threats of possible suspension of my driving/registration privileges but no response to my prior written requests for validation. 

XXXX Attempts : I attempted to contact XXXX directly but was unable to reach a representative beyond the automated system. 

Complaint Summary : AFNI has taken over collection of this alleged debt but has not provided any validation, evidence, or explanation as required by the FDCPA. Instead, they continue to demand payment and escalate threats of consequences without addressing my lawful requests. 

This is causing significant distress, as I believe I already resolved the matter in XXXX, and I have repeatedly requested proof but received none.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Despite my efforts, inaccurate account is still reflected on my credit report, and no corrections have been made. Please review the attached documents thoroughly so that I no longer have to deal with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-08-29 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
In XX/XX/year>2025, I paid my [ XXXX XXXX XXXX  / XXXX XXXX XXXX  ] account balance in full. After that payment, a small trailing interest charge of {$1.00} posted. Because that {$1.00} was not paid, the company assessed a late fee and marked the account late. 

I contacted XXXX XXXX XXXX  to resolve the issue. While they waived the late fee after reviewing my account, they refused to provide me with clear information on whether the late payment would be reported to the credit bureaus. Each time I asked for clarification, I was told they could not tell me how the payment would be reported, which left me with no way to confirm if my credit history was being unfairly impacted. 

My concern is that this situation does not reflect my true payment behavior, since the account was paid in full. I am requesting that this late payment be removed from my credit history, as it resulted solely from a minimal trailing interest charge and lack of clear communication from company.

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 monetary relief
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Corporate office of the USBank is " ending our relationship '' or in other words closing my account and freezing my funds with no notice. They did not communicate anything to me prior to today when I visited their branch locations. They will not give a reason for why they are closing the account. They will not allow me to withdraw my funds, and will not provide any additional information. The branch location where I originally opened the account closed in XXXX, located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I opened the account over XXXX years ago as a high schooler. Today, XX/XX/XXXX. I spoke to a bank teller at the US Bank location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. They gave me a customer service number to call, which, when connected to a representative, who then told me to speak to a branch manager in person. I went to the branch at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, spoke to a branch XXXX, who again refused to give me a reason for freezing the account or closing the account. She said, " we have reasons to close the account '' but said she could not disclose them to me. The XXXX XXXX location also would not allow me to withdraw any funds from the 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 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Called Transworld Systems several times to remove the derogatory remark as I did not owe them any money. They sent me in circles. No payment was made to this company as I owed {$0.00} to them and they said they couldn't discharge it since no payment was made. You can't make a payment in the amount of {$0.00}. 

They told me to call the original debtor to discharge it from my report. It was done so they don't have any responsibility in the situation since they were not getting any money. Basically saying it was not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MA

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 filing a complaint to dispute the reporting of the XXXX account ( Acct. XXXXXXXX XXXX XXXX XXXX showing a balance of {$6900.00}, along with several unauthorized inquiries appearing on my credit report, including XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These accounts and inquiries are the result of identity theft and were not authorized by meXXXX XXXX account is inaccurate and misleading, as it reflects a debt I never incurred. Reporting this account violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain the maximum possible accuracy in the information they report.The unauthorized inquiries listed above were made without my knowledge or consent, which violates FCRA 604 ( a ) because consumer reports may only be accessed for specific permissible purposes. The fact that these inquiries were obtained without authorization also raises concerns under FCRA 619, which prohibits accessing a consumer report under false pretenses.

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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 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 2025-08-29 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: CA

Complaint narrative:
These accounts are inaccurate and unauthorized. In line with USC 1681g, I request their removal within 15 days. Supporting evidence has been provided.

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 2025-08-29 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: Experian Information Solutions Inc.
State: WA

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 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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent account and inquiries were initiated without my knowledge or authorization. The fraudulent accounts are : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. The fraudulent inquiries are XXXX XXXX XXXX XXXXXXXX XXXX. As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 3. Proof of my current address. All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting XXXX inaccurate late payments on my Equifax, Transunion, and Experian credit reports. When I contacted the company in regard to my issue. I was told the late payments were too old to verify. I contacted the bureaus and they werent helpful and referred me back to the creditor. 

The dates are XX/XX/XXXX and XX/XX/XXXX. I have never been 30 days late on a payment to this company. According to the Fair Credit Reporting Act FCRA 15 U.S.C 1681 I have the right to accurate and fair reporting. The late payments being reported are unverifiable per FCRA requirements and are 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 2025-08-29 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting XXXX inaccurate late payments on my Equifax, Transunion, and Experian credit reports. When I contacted the company in regard to my issue. I was told the late payments were too old to verify. I contacted the bureaus and they werent helpful and referred me back to the creditor. 

The dates are XX/XX/XXXX and XX/XX/XXXX. I have never been 30 days late on a payment to this company. According to the Fair Credit Reporting Act FCRA 15 U.S.C 1681 I have the right to accurate and fair reporting. The late payments being reported are unverifiable per FCRA requirements and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
This IC system account I have no knowledge about therefore this account is fraudulent and this is a attempt to ruin my credit, please remove this fraudulent account from my credit

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