vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX on my credit report. I did not authorize, apply for, or sign any agreement with XXXX. The original loan with XXXX is being reported as Paid and Closed and therefore no open balance should exist. 
This reporting by XXXX constitutes a duplicate, misleading, and unauthorized entry on my credit profile and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to the following provisions : XXXXXXXX XXXX XXXXXXXX No permissible purpose or authorization to report. 
XXXX XXXX. XXXX ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to verify disputed information. 
XXXX XXXX. XXXX ( b ) Failure of the furnisher to verify accuracy after dispute. 
This inaccurate entry is materially harmful and deceptive, making it appear that I have taken on new federal student loan debt without my consent. I demand immediate deletion of the XXXX account within XXXX ( XXXX ) calendar days of receipt of this letter. If the item is not deleted, I will escalate this matter to all available legal remedies. 
The following accounts are listed on my consumer reports and are a result of identity theft. 
Aidvantage - {$3000.00} XXXX- {$2100.00} XXXX- {$7100.00} XXXX- {$1800.00} XXXX- {$3800.00} I am a victim of identity theft from Equifax breach and other entities. I have enclosed Identification card, FTC report, bank statement for address verification, XXXX for social verification as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a XXXX of identity theft and found multiple accounts on my credit report that I did not open or authorize. I am requesting that the following accounts be blocked or removed under FCRA XXXX XXXX : Auto Loans : XXXX Bank, Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Delaware, XXXX XXXX ( XXXX accounts ), XXXX XXXXXXXX XXXX, XXXX XXXX Sales Contract : XXXX XXXX XXXX XXXX XXXX XXXX Buyers : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX These accounts are not mine and are damaging my credit..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a XXXX of identity theft and found multiple accounts on my credit report that I did not open or authorize. I am requesting that the following accounts be blocked or removed under FCRA XXXX XXXX : Auto Loans : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX, XXXX XXXX Sales Contract : XXXX XXXX XXXX XXXX XXXX XXXX Buyers : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX These accounts are not mine and are damaging my credit..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: MD

Complaint narrative:
This is a follow-up to my earlier dispute. There are still incorrect and incomplete items showing on my credit report. Im now requesting a written description of the steps you took to investigate the account. According to federal law, you must send this within 15 days of receiving this notice. If you cant verify the details or fail to respond in time, the account must be removed. Ive attached a copy of my initial request. Please respond promptly.

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 2025-06-12 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 previously submitted a dispute for this account, but it still reports inaccurate and incomplete information. I am now formally requesting a detailed explanation of the investigation process you used. By law, you must send this within XXXX days of receiving this letter. If the information cant be verified or you dont reply, the disputed items should be deleted. Ive included a copy of my written request for your reference. I appreciate your timely response.

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 2025-06-12 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-12 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
Subject : Formal Dispute Incorrect Charge-Off Reporting ( XXXX XXXX XXXX  XXXX XXXX Dear Equifax I am writing to formally challenge the accuracy of a charge-off reported on my credit file for my XXXX XXXXXXXX XXXX  XXXX revolving account XXXX XXXX XXXX After reviewing my credit report, I have found * * significant errors * * that require immediate correction. 

* Disputed Account Details : * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : * * {$740.00} ( Exceeds Credit Limit of {$500.00} ) * Credit Utilization : XXXX XXXX XXXX XXXX  ( Mathematically incorrect ) * Status : * * Charge-Off ( Potential misreporting ) * Reasons for Dispute 1. Balance Exceeds Credit Limit : The reported balance ( {$740.00} ) is higher than the credit limit ( {$500.00} ), raising questions about accuracy and adherence to proper credit reporting procedures.

2. Potential Re-Aging of Charge-Off : If this charge-off has been updated incorrectly to appear newer than it actually is, it could violate * * Fair Credit Reporting Act ( FCRA ) guidelines on truthful reporting. 
XXXX. Inconsistencies Across Bureaus : This account does not appear consistently across Equifax, XXXX, and XXXX, further suggesting * * potential errors in reporting Request for Action : Under Section 609 & Section 623 of the Fair Credit Reporting Act ( FCRA ), I formally request : - A full investigation * * into the accuracy of this charge-off. 
- Verification of all supporting documentation from XXXX XXXX XXXX XXXX. 
- Immediate correction or removal of any incorrect, outdated, or unverifiable information. 

I have attached supporting documentation to assist with this investigation. Please complete your review within 30 days, as required by the FCRA. I appreciate your prompt attention to this matter and request a written confirmation of the outcome. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
DISCOVER CARD has failed to conduct a proper investigation. They have violated XXXX XXXX XXXX A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as XXXX XXXX XXXX XXXX XXXX so this is a clear indication that these disputes were not processed correctly. This is a violation of XXXX and XXXX for being negligent and willfully non compliant. These debts are also been securitized in a XXXX so DISCOVER CARD does not even own the debt anymore. Which is another inaccuracy for putting on mXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
this company INNOVIS has inaccurate information as well as accounts that doesn't belong to me at all. I have asked for these accounts to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
A fraudulent deposit was made unto my checking account with FNBO on or around XX/XX/year>. Subsequently, the fraud department of FNBO placed a hold and a freeze to my account. Although I visited a branch in person and spoke with a branch employee ( for over two hours ), I am being sued for the fraudulent deposit.

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 2025-06-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
There are some inquiries on my credit report that I do not recognize and I am filling this complaint for it to be removed because it violated my consumer report for improper use of my consumer report, kindly remove. 

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

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 2025-06-12 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: DISCOVER BANK
State: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the XXXX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open. 

This situation has been incredibly XXXX, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days.

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The debt collector XXXX, XXXX, & XXXX without any previous notice, levied against my BOA account {$630.00} XX/XX/year>. 
It was almost all of the amount I received from my social security check. It left me in a terrible position for the entire month.

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 2025-06-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report two fraudulent account ( s ) appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a credit card opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: GA

Complaint narrative:
Please see attachments. These credit reporting agencies have been illegally reporting information to my credit report without my consent. These actions are violating my right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I applied for a loan through Affirm and was denied credit. In the adverse action notice I received on XX/XX/year>, Affirm stated they could not prequalify me because of the length of my credit history. The notice also stated that they were unable to obtain my credit score, showing my credit score as XXXX  due to a lack of recent credit activity. 

However, the same adverse action letter also cited payment history with Affirm, credit score, and maximum allowable monthly obligation amount as reasons why I did not score well compared to other applicants. 
This is contradictory and unclear if Affirm was unable to obtain my credit score, it is questionable how they could cite it as a factor in denying my application. 

Additionally, while I have had several prior loans with Affirm in the past, all of which were fully paid off, I did experience a late payment on XXXX of those loans, which I ultimately paid in full. I do not have any unpaid loans or defaults with Affirm. 

I believe it is misleading for Affirm to cite payment history with Affirm without clarifying that my overall record reflects completed repayment of all loans. 

Under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), I have the right to clear, accurate, and complete disclosure of the reasons for an adverse credit action. Denying me credit based on unavailable or unclear data, and providing an adverse action notice that does not clearly explain the decision, violates these rights. 

I have also contacted XXXX  to obtain my credit report to confirm what is actually being reported. 

I am requesting that Affirm : Re-evaluate my application properly using accurate and complete credit information ; Provide a corrected adverse action notice that clearly and transparently states the specific factors used in the credit decision ; Ensure compliance with FCRA and ECOA regarding adverse action notices and credit decision processes. 

I am also requesting that the Consumer Financial Protection Bureau review this matter, as I am concerned about potential systemic issues with how Affirm handles credit denials and adverse action notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NJ

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