vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: NM

Complaint narrative:
I am filing a formal dispute regarding a charge-off account reported by the Army & Air Force Exchange Service ( AAFES ) that appears on my credit report. 

While I understand there may have been a past balance, I believe the information being reported is incomplete, potentially inaccurate, and unverifiable, and therefore in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I dispute the accuracy and completeness of the following details : The balance amount and whether it reflects actual charges and credits The correct date of first delinquency, which affects how long it can remain on my credit report Whether I was properly notified of the charge-off status Whether AAFES can fully verify this debt in accordance with their obligations under federal law Under the FCRA ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this item. If AAFES is unable to fully validate all aspects of this charge-off, including providing documentation that confirms its accuracy and legal status, it should be corrected or removed from my credit file. 

This charge-off is having a serious negative impact on my credit and financial well-being. I respectfully ask the CFPB to investigate this matter and ensure that my rights under the FCRA are fully enforced.

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 2025-05-30 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

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 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 2025-05-30 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$220.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

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 2025-05-30 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: MI

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. Additionally, I did not permit Equifax to include this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiry from my report. 

XXXX XXXX XXXX  XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-30 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-30 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
TransUnion failed to properly investigate my consumer disputes and failed to remove or prevent the reinsertion of incorrect information on my credit reports. I have received 5 stall letters in 2 months. I also sent my Id, social, and proof address. TransUnion is ignoring my dispute letters for 2 months. I would like the following accounts deleted from TransUnion account or credit report. 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 non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
I am formally requesting that the unauthorized accounts on my credit report be blocked and removed as quickly as possible. I have no connection to these accounts, nor did I authorize them. In line with USC 1681g, I request their removal within 15 days. Please find the attached documents for your review. The account data being reported to each bureau is inaccurate and inconsistent.

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 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
My husband fell very ill on XX/XX/year>. He was admitted in the hospital until XX/XX/year> during which time we found out he was XXXX XXXX XXXX XXXX XXXX XXXX and requires XXXX for the next 6 months. It was during this time that I fell behind on my bill for this company as well as a few others. I received the first phone call on XX/XX/year> while my husband was in the hospital and I did not answer. They called again on XX/XX/year> while my husband was still in the hospital and I did not answer. They called me again on XX/XX/year>, and I did not answer as my husband was still in the hospital and I stayed with him the entire time. They called me again on XX/XX/year>, which I did not answer as my husband was still in the hospital. They called me again on XX/XX/year> while my husband was still in the hospital as well. They called me again on XX/XX/year> my husbands discharged later that day and I did not answer the phone. They called me again on XX/XX/year> and I answered the phone and spoke and informed them about what was going on with my husband and that I am now on FMLA and do not have the funds to pay, and Im unsure when I will be able to as my husband will be needing XXXX for the next six months and will require my help and care. The calls began again on XX/XX/year> and I did not answer. They called me again on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and this is the day that I picked up the phone again and explained to them the situation again and that I felt like they were harassing me with these phone calls. The person I spoke to said that they were trying to come up with a payment plan for me and try to get me to pick a payment plan which I told them. I can not do right now as Im not sure what my funds will be for the next few months and I did not want to agree to something that I was unsure of. They called me again on XX/XX/year> XX/XX/year> XX/XX/year> in XX/XX/year>, which I spoke with him again and explained the situation again. They proceeded to call me again the next day on Saturday, XX/XX/year> at this point I was very upset and distressed. I answered the phone and the call was disconnected. They called me back again the same day of XX/XX/year> and I did not answer. They proceed to call me again on Monday, XX/XX/year> again on Tuesday, XX/XX/year> Wednesday, XX/XX/year> Thursday, XX/XX/year> and again today XX/XX/year> which I answered again and explained to them the situation again and told them that I felt like they were harassing me. At this point, I am so distressed with everything going on with my husband and then harassing me with these phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} Inquiries XXXX XXXX  Date : 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 2025-05-30 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:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} Inquiries XXXX XXXX  Date : 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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
I am disputing an account being reported by Affirm , Inc. on my credit report. The information being reported is inaccurate, and I am requesting an investigation into its validity.

I formally dispute this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which requires furnishers of credit information to conduct a reasonable investigation upon notice of a dispute and remove or correct any information found to be inaccurate or unverifiable.

Additionally, Affirm has not provided adequate documentation to prove the accuracy and legitimacy of this debt. They have failed to verify : That the account belongs to me The amount allegedly owed A signed agreement or proof of authorization A complete payment history or accounting of the debt Continued reporting of this account without proper invest

igation and validation constitutes a violation of : FCRA 1681s-2 ( b ) Furnishers must investigate and correct disputed information. FCRA 1681e ( b ) Information f
urnished must be accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
The original creditor, DISCOVER CARD, is willfully and repeatedly reporting a charged-off account to the consumer reporting agencies ( XXXX, XXXX, and XXXX  ) despite no lawful justification to do so. 

I am not disputing the debt itself however, I am disputing the continued publication and sharing of this derogatory data in violation of federal law, privacy rights, and good-faith commercial practice. 

This charge-off is being reported in a way that misrepresents the status of the account and has caused direct harm to my ability to access credit and live peaceably in commerce. I sent a lawful notice to the creditor requesting they stop reporting this account so we can resolve the matter privately. They have not responded or corrected the reporting. 

The creditor is in direct violation of the following federal laws : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must provide accurate information.

15 U.S. Code 1681s-2 ( a ) ( 3 ) They must update and correct data that is incomplete or incorrect after receiving notice.

15 U.S. Code 1681e ( b ) CRAs ( and by extension, furnishers ) are obligated to maintain maximum possible accuracy.

15 U.S. Code 68016809 ( GLBA ) Reporting and sharing private financial data without explicit, informed consent constitutes an unauthorized disclosure. 
Title 18 U.S. Code 1028A Aggravated Identity Misuse. 

This constitutes financial harm, reputational injury, and an ongoing privacy violation. I have records of all communications and dispute letters sent to the creditor directly. I have attempted to resolve this honorably and privately, but they have failed to respond or correct their reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute requesting the removal of this account, and it was delivered on XX/XX/year>, via USPS Tracking # XXXX. Since then, I have consistently monitored and updated my credit reports, and this specific account never reappeareduntil now. On XX/XX/year>, the XXXX XXXX  account suddenly reappeared on my Equifax credit report without any prior notice or explanation, as if it had never been removed. This is a direct violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information, it must provide written notice within 5 business days. I received no such notification. I am enclosing the following documents in support of my dispute : my FTC Identity Theft Report, a partial copy of my credit report. 
Additionally, this reinsertion violates 15 U.S.C. 1681b, as there is no valid permissible purpose for this account to be reported again. There is also no evidence that Equifax followed the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). I did not authorize, give permission, or provide written consent for this account to be reported or reinserted into my file. I am extremely frustrated and view this as a serious breach of your obligations under federal law. I DEMAND THAT THIS ACCOUNT BE PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief