vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian for failing to maintain accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these matters directly, Experian has continued to report unverifiable and unauthorized information that is damaging my credit profile. 

The following items are being reported inaccurately : Wrong Addresses Being Reported XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at or been associated with either of these addresses. Reporting inaccurate personal identifying information violates FCRA 609 ( c ) ( 2 ) and 602A, which protects consumers from the dissemination of false identity data. 

Incorrect Payment History XXXX XXXX Account # : # XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Balance : {$0.00} This account is inaccurately reflecting late payments. I have never been late, and no documentation has been provided to verify these claims. This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report complete and accurate information. 

Unauthorized Hard Inquiries The following inquiries appear on my Experian credit report, but I never applied for credit from these institutions and did not authorize these pulls : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not initiated by me, and Experian has failed to provide proof of permissible purpose under FCRA 604. These inquiries are negatively affecting my creditworthiness without justification. 

Requested Action : I am requesting that the CFPB investigate Experians failure to : Remove inaccurate personal addresses Delete unauthorized hard inquiries Correct or remove the false late payment history on the XXXX XXXX account Provide documentation from furnishers or delete unverifiable data in accordance with FCRA 611 Experian has not fulfilled its legal obligations under federal law to ensure maximum possible accuracy or provide sufficient verification after my direct disputes. I respectfully request the CFPB to take regulatory action and ensure that these violations are addressed 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 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:
This is a follow-up to a dispute I submitted regarding a collection account inaccurately appearing on my credit report. I requested validation under the Fair Debt Collection Practices Act, but no appropriate proof of ownership, agreement, or balance 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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against CREDIT COLL ( Original Creditor : XXXX XXXX  ) for reporting a collection account without providing the legally required validation. After submitting a direct request for verification of the alleged debt, the company failed to provide any documentation supporting their claim. Specifically, they have not produced a copy of the original agreement bearing my signature, a full itemization of the alleged balance, or any proof of their legal authority to collect this debt. This is a clear violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which requires debt collectors to provide validation upon request. Furthermore, I was not given a meaningful opportunity to dispute the debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite not complying with these obligations, CREDIT COLL proceeded to report this account to the consumer reporting agencies. This act violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act, which prohibits furnishing information without proper disclosure and an opportunity to dispute. The reporting also lacks a permissible purpose under 15 U.S.C. 1681b and fails to meet the standard of maximum possible accuracy required by 15 U.S.C. 1681e ( b ). This unverified and unlawfully reported account has negatively impacted my credit profile and caused undue harm to my financial reputation. I am requesting immediate action and enforcement of my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have old information on credit report such as names, addresses, and employment

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 2025-07-07 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: IL

Complaint narrative:
I have old information on credit report such as names, addresses, and employment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent money by XXXX that ended up to be fraud and was never able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Called XX/XX/year> - requested credit balance refund Called XX/XX/year> - requested credit balance refund again, because the first one wasn't noted on my account Called XX/XX/year> - checked status - been told 5 business days Called XX/XX/year> - checked status - been told 7 business days Called XX/XX/year> - checked status - been told XXXX business days Called XX/XX/year> - checked status - been told XXXX business days It appears that 5 business days being added every time I call to check the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have an ongoing complaint already, XXXX. 

I have contacted the number that my bank has given me, XXXX. I was told that it is PORTFOLIO RECOVERY. When I called the number I found to my surprise that it's not Portfolio Recovery, when they answered they said, XXXX XXXX. I proceeded with caution and told them my name and my business with them. The person said that they handle stuff for Portfolio. Then proceeded to tell me that if I would pay my bills I wouldn't have this problem. And to have a good day.. click went the phone. 
Please help get my account with my bank unlocked. 
XXXX XXXX

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

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-07 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:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX # XXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

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 2025-07-07 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was served on XX/XX/XXXX XXXX I called and asked why, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX, filed a suit after the statute of limitations expired, as it is a violation of the Fair Debt Collection Practices Act. And I spoke to XXXX and XXXX XXXX XXXX ( the same company ) and then XXXX XXXX who said she knew nothing of this, then hung the phone up on me. 

They are sueing me, for {$15000.00} last payment they say was XX/XX/XXXX That was 5 Years and 8 months ago, 1 year 8 months past the XXXX of limitaions. 
The Debt was from Florida so they say, but they sueed me in California XXXX XXXX XXXX Vs XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX. You can see in the attached files, where they say the debt is almost XXXX XXXX XXXX, and where they mislead by saying the debt is less than XXXX XXXX XXXX, these people should be punished

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I used Affirm to finance a purchase from XXXX ( XXXX # XXXX ) for a desk totaling {$130.00}. The item was delayed beyond the XXXX shipping window, and a documented chat transcript from XXXX customer support ( Ticket ID : XXXX ) shows that I was explicitly promised a 40 % refund after delivery to compensate for the delay. I followed instructions, waited until delivery ( XX/XX/XXXX ), then contacted XXXX to fulfill the promised refund. 

XXXX later reversed their position, claiming they couldnt honor the refund due to the item being sold by a third-partyeven though it was XXXX own agent who made the compensation promise. I have full screenshots proving this. 

I filed a dispute with Affirm and submitted all evidence. Despite this, Affirm ruled in favor of XXXX without properly addressing the documented proof or providing any explanation of the merchants policies or their own decision-making process. I requested details on the decision and refund policies, but did not receive a proper response. 

This feels like a failure by Affirm to protect consumers from unfair treatment by large merchants. Affirm continues to expect payment for a product that I would not have financed had I known the refund promise would be revoked after the fact. I want Affirm to either : A. Hold XXXX accountable for the promised refund, or B. Cancel my remaining payment obligation since this was a broken agreement initiated by the seller 's platform.

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

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 XXXX 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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
This account is being reported inaccurately by Tidewater Motor Credit. I requested documentation verifying this debt, but they have not provided anything to support the validity or ownership of the account. I believe the information on my credit report is incorrect and should be removed. Please investigate.

Company response to consumer: Closed with explanation