vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and noticed that an account is inaccurately reporting XXXX late payments. I would like to formally dispute this information, as I made all payments on time for this account. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report information with complete accuracy. The reported late payments are incorrect and do not reflect my actual payment history. 

Please find attached a copy of my credit report highlighting the inaccurate entries, along with supporting documentation for your review. The late payments are shown on the following dates : [ XX/XX/year> and XX/XX/year> ]. 

I am requesting a formal investigation into this matter. Please provide verifiable documentation and payment records supporting the claim that these payments were late. If the information can not be verified, I demand that the payment status be corrected to reflect " XXXX on XXXX '' immediately. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution within the XXXX period allowed by law. 

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 non-monetary relief
Consumer complaint received 2025-07-27 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: OK

Complaint narrative:
I filed bankruptcy in 2021 on a car. XXXX XXXX XXXX sent me the lein release. I have been disputing the open account ever since. With the most recent CFPB complaint, they sent me a bill. I paid it. They still show XXXX XXXX XXXX as an open account on TransUnion.

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 2025-07-28 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: GA

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 2025-07-28 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: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Summary : Affirm denied my dispute after I was charged twice for a single item due to a merchant error, despite submitting full evidence showing I returned one of the items. 

Details : On XX/XX/year>, I ordered and paid via Affirm for a pair of XXXX XXXX shoes ( size XXXX ) from XXXX XXXX XXXX ( Order # XXXX, Affirm Loan ID : XXXX ). I picked them up on XX/XX/year>. They didnt fit, so I placed a second separate online order through Affirm on XX/XX/year> for the correct size XXXX ( Order # XXXX, Loan ID : XXXX ), which I picked up that same day. 

When I went to the store on XX/XX/year>, I returned the size XXXX shoes and picked up the already-paid-for size XXXX shoes, which a store employee brought to the register from the Online Pickup Counter. However, the store processed the return incorrectly as an in-store exchange even though both pairs were separately purchased online through Affirm. This caused me to be charged for two loans but only receive one product. 

Affirm denied my dispute despite receiving : Proof of both order confirmations Proof of both loan IDs Confirmation that the second pair was paid for before pickup Explanation of the merchants processing error Store footage and receipts showing this was not an exchange from store inventory Now I am being held responsible for a loan on an item I returned, which is harming my credit and causing stress and financial damage. I feel Affirm failed to properly investigate this dispute and sided with the merchant despite clear evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to XXXX  years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The account MIDLAND CREDIT MANAGEMENT with the original creditor listed as XXXX XXXX. is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my toddler. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my consumer rights that include but are not limited to under 15 USC 1681b ( A2 ), 1681ae, 1692b, 1681b, 1692j, 1692d, 1692e, and 1692f. 

The account found on my credit report o XX/XX/XXXX is listed below : Account name MIDLAND CREDIT MANAGEM Account number XXXX Original creditor XXXX XXXX. 
Company sold- Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$2900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX Original balance {$2900.00} Monthly payment- Past due amount {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I am responding to a collection notice received from your company. ( please see attached ) I do not recognize this claim. Please provide me with written documentation to validate this purported debt : 1. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 2.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt. Thank you. I will await your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
My bank account was hacked and transactions were made from XXXX XXXX. Several transactions amounted to {$49.00}, with a total amount of approximately {$2400.00}. I contacted the bank and they said that all we can do is stop the card and send a copy of the mailbox to tell us what happened. We can not get back the money that was lost and we will investigate the matter. Note that I did not share my bank information and did not buy from this card before. I only transferred from this bank account to another account, and I made it a savings account, but the bank leaked my information. I demand the full amount be returned as soon as possible. The bank is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my information was involved in multiple data breaches.

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 2025-07-28 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: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verily as accurate : account name : XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: TN

Complaint narrative:
A XXXX Cash card from Cash App was delivered to an extended family members address, whom i don't live with, but had my name on it. I never requested a credit card with CashApp nor have I ever used, signed up for, received or transferred monies with CashApp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I am disputing XXXX inaccurate accounts being reported on my credit file. On XX/XX/year>, a collection account for {$2600.00} was reported by XXXX XXXX XXXX. I did not authorize this account and have no relationship with this company. Additionally, a charge-off account is reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which I also never opened or agreed to. I believe these accounts are fraudulent and are either the result of identity theft or reporting errors. 

These accounts are damaging my credit, and I have requested the credit bureaus ( Experian and TransUnion ) to investigate and remove them. I have also submitted supporting documents including a XXXXissued ID, proof of address, and a formal written dispute. I am seeking full deletion of these accounts due to their inaccuracy and violation of 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 2025-07-28 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: CT

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and noticed that an account is inaccurately reporting XXXX late payments. I would like to formally dispute this information, as I made all payments on time for this account. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report information with complete accuracy. The reported late payments are incorrect and do not reflect my actual payment history. 

Please find attached a copy of my credit report highlighting the inaccurate entries, along with supporting documentation for your review. The late payments are shown on the following dates : [ XX/XX/year> and XX/XX/year> ]. 

I am requesting a formal investigation into this matter. Please provide verifiable documentation and payment records supporting the claim that these payments were late. If the information can not be verified, I demand that the payment status be corrected to reflect " XXXX on XXXX '' immediately. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution within the XXXX period allowed by law. 

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 2025-07-28 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: PA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-28 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/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 2025-07-28 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: FL

Complaint narrative:
I noticed charge off on my credit report that was incorrect or not accurate. I notified the credit bureaus about them.

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 2025-07-28 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: FL

Complaint narrative:
I noticed charge off on my credit report that was incorrect or not accurate. I notified the credit bureaus about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verily as accurate : account name : XXXX  account number : XXXX  i have already submitted this but i attached the wrong verification documents, i sent my girlfriends by accident, hope fully it doesnt cause a problem

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally submitting a complaint against TransUnion for failing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. I have previously submitted multiple disputes, an FTC Identity Theft Report, and supporting documentation proving these accounts and inquiries resulted from identity theft. Despite this, TransUnion has failed to take appropriate action, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Fraudulent Accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Fraudulent and Unauthorized Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A customer payed me XXXX $ on XXXX  I did an instant transfer and they deducted XXXX for the fee but it never made it to my account it came out of my customers account they tell me in the investigation everything is correct but that's not true I had my bank email me proof from my account I never got the money today is the XXXX XXXX and they keep telling me im sorry the decision isn't in my favor but who has my money then?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 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:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative report.

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