vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-07-09 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AL

Complaint narrative:
LEGAL DEMAND FOR REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA 605B / 15 U.S. Code 1681c2 To Whom It May Concern, This letter serves as a formal and final notice to Experian to immediately block and remove the fraudulent account ( s ) listed below, which were illegally reported due to identity theft.

I am asserting my rights under FCRA Section 605B ( 15 U.S. Code 1681c2 ). This law requires you to delete the disputed information within four ( 4 ) business days of receiving proper identification and proof of fraud.

Fraudulent Account Information : Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I did NOT authorize or open this account. This is the result of identity theft. 
As required by law, you must : Block and delete this account within 4 business days Provide written confirmation of this deletion Refrain from reinserting this information into my report without full compliance with FCRA Section 611 ( a ) ( 5 ) ( B ) Your failure to comply with these requirements will constitute a willful violation of the FCRA and subject your agency to civil liability under FCRA Sections 616 and 617

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 2025-07-08 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 am submitting this formal dispute under the FCRA, 15 U.S.C. 1681, and the FDCPA, 15 U.S.C. 1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal 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 2025-07-09 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: IN

Complaint narrative:
I was trying to buy a house and learned that my credit profile had fraudulent accounts added that were affecting my credit. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Email : XXXX I am submitting this dispute to report multiple accounts on my credit report that are the result of identity theft. These accounts do not belong to me, and I did not authorize them. I am requesting a formal investigation and removal of the fraudulent information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 

* * Accounts in Dispute : * * - Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ), Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$86.00} - Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$150.00} - Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$23000.00} - Creditor : XXXX, Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$11000.00} - Creditor : XXXX XXXX XXXXccount XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$160.00} * * Supporting Documentation Attached : * * - Copy of government-issued photo ID - Proof of current address ( utility bill ) - Identity Theft Report filed with Federal Trade Commission via XXXX XXXX Report Number : XXXX - Signed statement asserting the fraudulent nature of the above accounts I respectfully request that the CFPB assist in ensuring that these items are investigated and removed from my credit reports. Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I was trying to buy a house and learned that my credit profile had fraudulent accounts added that were affecting my credit. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone : XXXX Email : XXXX I am submitting this dispute to report multiple accounts on my credit report that are the result of identity theft. These accounts do not belong to me, and I did not authorize them. I am requesting a formal investigation and removal of the fraudulent information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. 

* * Accounts in Dispute : * * - Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ), Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$86.00} - Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$150.00} - Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$23000.00} - Creditor : XXXX, Account XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX, Amount : {$11000.00} - Creditor : XXXX XXXX XXXXccount XXXX : XXXX, Date : XX/XX/XXXX, Amount : {$160.00} * * Supporting Documentation Attached : * * - Copy of government-issued photo ID - Proof of current address ( utility bill ) - Identity Theft Report filed with Federal Trade Commission via XXXX XXXX Report Number : XXXX - Signed statement asserting the fraudulent nature of the above accounts I respectfully request that the CFPB assist in ensuring that these items are investigated and removed from my credit reports. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I have not received anything in writing about the XXXX 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 2025-07-09 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed an unfamiliar hard inquiry. I want to state unequivocally that I did not authorize this access, nor did I engage in any credit-seeking activities with the entity responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have had multiple unauthorized transactions. I have showed them proof. I even spoke with the companies that they were done with and they verbally told me the accounts didnt match. I had unauthorized charges with XXXX, XXXX, and gaming service. TD bank denied my claims and said there was no error even after I provided all information. I never had any disputes until these and I have had the account for many years. They wont give me any information on why my dispute wasnt accepted. I have spoken to multiple clerks at the banks and they cant assist me. These transactions started in in XXXX and continued into XXXX. Transactions ranged from {$25.00} up to almost {$120.00}. I am very unhappy with how they are handling it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-09 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: MA

Complaint narrative:
My Experian credit report is currently displaying a charge-off from XXXX XXXX XXXX account ending in XXXX ), dated XX/XX/year>, with a {$0.00} balance. This entry is both misleading and inaccurate. It falsely implies that I defaulted on an account when, in fact, no money is currently owed and there is no active debt or collection. 

This outdated and negative remark does not belong on my credit profile and misrepresents the current status of my finances. It has already caused unnecessary embarrassment and setbacks when applying for credit, despite the fact that I am not delinquent. Its incredibly frustrating to do everything rightresolve accounts, pay off what I oweonly to have my credit tarnished by entries that no longer reflect reality.

I want to stress that I take my credit seriously. I regularly monitor and dispute any errors I find, but this type of charge-off listingdespite a {$0.00} balanceundermines my efforts and violates my rights under the law. I believe this could be the result of outdated creditor data, file mismatches, or potentially mishandled reporting by third-party agencies. Regardless, Experian has a legal responsibility under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), to maintain maximum possible accuracy. Moreover, under 15 U.S.C. 1681i, once a consumer disputes an item, Experian must investigate and either correct or remove unverifiable or inaccurate data.

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 2025-07-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Many times I inquired XXXX to remove the many times this Debtor Affirm was posted in my credit report to lower my score on purpose. They also harassed me many times via text collecting to the point I had to block them. They are violating the Fair Credit Reporting Act and by law they can't post the same debt many times. I want them to remove this and inform XXXX XXXX is blaming them and ignoring my request because they are not for the consumer, they are for the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Equifax. 
Details of the Dispute : 1.Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 
2.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX Fl XXXX, while my credit report shows an outdated address of : XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license A recent bank statement showing my current address. 
Request for Confirmation : I request that Equifax investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me by email at XXXX. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/year>, I submitted a dispute to XXXX regarding multiple pieces of inaccurate personal information listed on my credit file. Specifically, I noticed several incorrect addresses that I have never lived at nor been associated with. These addresses may be tied to XXXX or more accounts currently reporting negatively on my credit. 

I disputed the addresses and related account ( XXXX ) via XXXX online dispute portal and selected " This is not my information '' or " Incorrect personal information '' as the reason for dispute. I have not received clear validation or documentation from XXXX showing how these addresses were verified or linked to me. 

In addition, XXXX or more negative accounts on my file may be connected to these incorrect addresses. If the address is incorrect, I believe it raises serious doubt about the legitimacy or accuracy of the account itself. Despite waiting beyond the XXXX window, I have not received confirmation that a full and fair investigation was conducted. 

I am requesting that the CFPB investigate this issue and require XXXX to : Remove all unverifiable or incorrect addresses Validate any accounts linked to those addresses with clear documentation Delete any accounts that can not be verified as accurate or properly attributed to me As of XXXX XXXX XXXX these issues have caused damage to my credit report and hindered my ability to move forward financially. I am submitting this complaint in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
I am writing to dispute several hard inquiries appearing on my credit report ( XXXX ) for which I do not have a corresponding open account, or for which I believe the inquiry was not properly authorized for an account that was ultimately opened. These inquiries are negatively impacting my credit score. 

I request that the credit bureaus investigate these inquiries and remove them if no account was opened or if the inquiry was not fully authorized for an account that I currently hold. 

Here is a list of the specific hard inquiries I am disputing XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX Experian, XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( TransUnion, XX/XX/XXXX ) XXXX  ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX ) XXXX XXXX ( Equifax, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) - While I applied for auto financing, no direct account was opened with XXXX XXXX. 

XXXX XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( Equifax, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX Experian, XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX  ( Equifax, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XX/XX/XXXXXXXX XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, XX/XX/XXXX XXXX XXXX ( TransUnion, XX/XX/XXXX XXXX I request a thorough investigation into each of these inquiries to ensure they are accurately reported and linked to an open account I possess or removed if no such account exists or if the inquiry was unauthorized. 

Thank you for your attention to this matter.

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