vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: OH

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit 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
Consumer complaint received 2025-11-07 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: SC

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 ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-07 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: MA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX. I signed with a NEW credit card processor on XXXX XX/XX/year>. The sent us the credit card processing machine on XXXX XXXX XXXX XXXXXX/XX/year> and we set it up and did a test transaction for XXXX cents to make sure the machine worked. It went thru and the next day the funds were NOT in our account. I called to find out WHY and they said that they hold funds for XXXX hours before depositing them to our business checking account. They NEVER stated this in the contract ( I will provide in pdf form ) and the following day XXXX XXXX XX/XX/year> we processed an order for {$7000.00} and were told that the funds would be in or account on XXXX XXXX XXXX XXXXXX/XX/year> and as of this writing they are still NOT in our account. I have called them several times to find out why and they say that someone from the RISK department needs to send me an e-mail sometime this afternoon ( XXXX XX/XX/year> ) and that I need to follow up with that e-mail. I have seen several XXXX NEGATIVE reviews about this company on the XXXX website and I feel that they have a documented history of unjustly holding funds from legitimate business transactions and being evasive when questioned about their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-07 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: DE

Complaint narrative:
The following accounts on my Equifax credit file are inaccurate, incomplete, or unverifiable. Equifax has refused to process my dispute despite receiving valid ID and address verification. 

Pursuant to 15 U.S.C. 1681i, I request that Equifax conduct a full reinvestigation, correct or delete all inaccurate information, and provide a detailed Method of Verification describing how each account was verified, including the furnishers name, address, and contact information XXXXXXXX XXXX XXXX  acct ending XXXX CHARGED OFF, reported balance {$7800.00} XXXX XXXX XXXX acct ending XXXX  CHARGED OFF, reported balance {$1500.00} XXXXXXXX XXXX XXXX XXXX acct ending XXXX  CHARGED OFF, reported balance {$1400.00} XXXX XXXX  acct ending XXXX  CHARGED OFF, reported balance {$15000.00} XXXX XXXX acct ending XXXX  CHARGED OFF, reported balance {$1700.00} FXXXX XXXX acct ending XXXX  CHARGED OFF, reported balance {$2000.00} XXXX XXXX XXXX XXXX XXXX  acct ending XXXX  CHARGED OFF, reported balance {$5100.00} XXXX XXXX XXXX XXXXXXXX XXXX acct ending XXXX  CHARGED OFF, reported balance {$980.00} Open/Active or Recently Updated with late/past-due XXXX XXXX XXXX XXXX XXXX  acct ending XXXX XXXX XXXX XXXX XXXX acct ending XXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX  ( XXXX ) acct ending XXXX  XXXX / XXXX  acct ending XXXX XXXX XXXX XXXX acct ending XXXX  TBOM / XXXX acct ending XXXX XXXX XXXX XXXX XXXXXXXX ) acct ending XXXX Mortgage ( late/past-due ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct ending XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
The disputed item contains false details that mischaracterize my financial conduct. I kindly ask that it be corrected and updated accordingly.

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 2025-11-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-07 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting a complaint regarding inaccurate and unauthorized information being reported by the credit bureaus and multiple furnishers.

I have disputed several accounts, collections, closed accounts, and incorrect personal information that are not mine and appear to be the result of identity theft. I followed the FCRA dispute process and provided supporting documentation, including proof of identity and an FTC Identity Theft Report. The credit bureaus failed to properly investigate and continued reporting inaccurate information.

Despite multiple disputes, the credit bureaus have : Continued reporting accounts that do not belong to me Reported closed accounts with inaccurate late payments Reported fraudulent collections that were never authorized Continued listing old and incorrect personal information Failed to remove inaccurate addresses and names Allowed unauthorized inquiries to remain on my report These errors are harming my credit profile and causing financial harm, including denials of credit and higher interest rates.

I have exercised my rights under the Fair Credit Reporting Act, including 602A ( maximum possible accuracy ), 611 ( reinvestigation ), and 605B ( identity theft blocking ). The companies involved have not fulfilled their legal obligations to properly investigate, verify, or remove inaccurate and fraudulent information.

I am requesting the CFPB assist in ensuring the bureaus and furnishers comply with the law by removing all inaccurate and unauthorized items and updating my personal information correctly.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am submitting this complaint regarding a fraudulent Affirm account that was opened in my name without authorization and subsequently reported to the credit bureaus. I discovered this account while reviewing my credit report. I have never applied for, authorized, or received credit from Affirm , Inc., and I believe this is a clear case of identity theft.

Factual Background I immediately contacted Affirm to dispute the account as fraudulent and requested verification or removal. To date, the account remains improperly reported.

This fraudulent account has caused material harm to my credit reputation and emotional distress. I request prompt action under the CFPBs enforcement authority to ensure Affirms compliance with the FCRA, FCBA, and applicable identity theft protections Legal Violations Affirms reporting and handling of this account may constitute violations of federal consumer protection laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681s-2 ( a ) : Furnishers of information ( such as Affirm ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

1681s-2 ( b ) : Upon receiving notice of a dispute from a consumer reporting agency, the furnisher must conduct a reasonable investigation and correct or delete inaccurate information.

1681i ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute and promptly delete unverifiable information. 
XXXX. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq.

To the extent Affirm extends revolving or installment credit, failure to investigate and correct fraudulent transactions constitutes a violation of the FCBAs billing error provisions. 
XXXX. Identity Theft Protections under the FCRA and FACTA Amendments Under 15 U.S.C. 1681c-2, consumers have the right to request a block of information on their credit report resulting from identity theft. Affirms continued furnishing of information on a fraudulent account violates this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am reopening this complaint because LVNV Funding / Resurgent Capital continues to report a fraudulent and unverifiable XXXX XXXX XXXX  account that should have been blocked under FCRA 605B. 

I submitted a police report, fraud affidavit, and extended fraud alert, yet they continue to report the account as disputed instead of removing it. 

LVNV admits they purchased the account from XXXX XXXX on XX/XX/year>, months after XXXX XXXX deleted its tradeline due to confirmed fraud. Reporting a debt that was already deemed fraudulent is a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 entry includes inaccurate data that misstates my financial responsibility. Please amend my account to ensure accuracy and fairness.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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