vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Action Collection Service
State: ID

Complaint narrative:
On XX/XX/year>, I received a voicemail from ACTION COLLECTION SVC and returned the call the same day. During that call, which took place over a recorded line, I clearly and firmly disputed the alleged {$100.00} debt from XXXX XXXX XXXX and stated that I would pursue legal action if they proceeded to report it to the credit bureaus. Despite my dispute, and without providing any validation of the debt, ACTION COLLECTION SVC reported the account to both Experian and TransUnion. They also failed to mark the account as disputed, which violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As a direct result, my credit score dropped by XXXX points, reducing my score to XXXX as of XX/XX/year>. This occurred less than a month before the expiration of my current residential lease, at a time when I was preparing to begin the mortgage prequalification and home-buying process. The erroneous credit reporting has now severely impacted my credit profile, potentially costing me thousands of dollars per month in additional interest and reduced loan access due to the sudden drop in score. 

I did not receive any validation of the debt from the company, and their reporting appears to have been done willfully, despite my clear and timely dispute. I believe this represents a violation of federal consumer protection laws and has caused serious, measurable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Hi Good Morning!!! 

On XX/XX/year>, I made a purchase from XXXX XXXX XXXX XXXX XXXX XXXX using Affirm 's financing option. As part of the process, Affirm charged me a downpayment of {$100.00}. 

The store never processed or fulfilled the order. After waiting 12 days with no update, an Affirm representative cancelled the loan on XX/XX/XXXX, stating that I would receive my downpayment refund within 5 to 7 business days. 
Today is XX/XX/XXXX and I still have not received my money. 

When Affirm restored my Purchasing Power, it was {$1100.00} instead of the {$1200.00} I had originally, with no explanation. Now, when trying to make the exact same purchase ( same bike and helmet ), the system is asking me for a new downpayment of {$320.00} thats {$220.00} more than the original. 

Also, the XXXX XXXX  no longer appears in Affirms store search, which makes the situation even more frustrating, since I had already planned and committed to this purchase. 

This situation is completely unacceptable. I demand the following : A full refund of the {$100.00} downpayment charged on XX/XX/XXXX. 

A clear explanation of the increased downpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Please answer the following questions for the account that is reporting to my credit reports Date Opened : Date Closed : Date account sold ( if applicable ) : Date Charged-Off : Date of First Delinquency : Date of Last Payment : Balance :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have been contacted by several credit card third party collectors. They tell me that it's a personal matter but the phone number is always different and it's always in regards to one of my credit cards. I have a trial awaiting for One credit card that I owe on but these people keep contacting me several times throughout the day and every time I ask them who they are and what they are wanting to talk to me about they tell me it's a personal matter and then ask to speak to me again. I know I owe anywhere from {$900.00} to {$1200.00} to multiple credit cards but they are not contacting me directly. They are contacting me through third party people because the creditors are never the original creditors it's always a debt collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and found numerous accounts that I never opened. These accounts were established without my knowledge or consent and are the result of identity theft. 

The fraudulent accounts include : 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 The following inquiries were also made without my consent and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts were authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and found numerous accounts that I never opened. These accounts were established without my knowledge or consent and are the result of identity theft. 

The fraudulent accounts include : 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 The following inquiries were also made without my consent and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts were authorized by me.

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 2025-05-08 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: TN

Complaint narrative:
This is in regards to account my auto loan : XXXX XXXX ( Equifax acct number ) XXXX XXXX ( TransUnion acct number ) Equifax and TransUnion refuses to correct the balance of {$160.00}. This was reported in error by XXXX XXXX XXXX. This account was paid off before it closed. 

XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX phone number : ( XXXX ) XXXX Representative XXXX has submitted the corrected information to all credit bureaus back in XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Account number, Account Status, Date Opened, No. of Months ( terms ), Payment Status, Last Reported, Date Last Active, Date of Last Payment

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and legitimacy of any disputed information within 30 days of receiving this notice. In cases where the disputed information stems from a data breach, the FCRA further requires that such data be deleted or blocked within 4 business days. If you are unable to validate the information, you are required by law to remove it from my credit report.

I have submitted a notarized affidavit affirming that my credit report includes fraudulent accounts and unauthorized inquiries. Based on this sworn declaration, I request that you take immediate action to remove or block the disputed entries to prevent further harm and ensure compliance with federal law. 

Should you fail to verify the disputed information and continue reporting it in violation of the FCRA, I will have no choice but to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of this statute is enclosed. This provision authorizes me to file a legal claim in any appropriate federal or state court, including small claims court.

I expect a prompt and lawful resolution of this matter in accordance with your legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Account Status, Date Opened, High Credit, Credit Limit, Last Reported, Date Las Active, Date of Last Payment

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I recently acquired a copy of my credit report and identified multiple fraudulent accounts listed. These accounts are negatively impacting my credit. I request their immediate removal to rectify my credit standing. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked XXXX devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX seek clarification from the creditors, they have shamefully failed XXXX provide the necessary information. I demand immediate action XXXX  transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXX types of credit products involved, furnish relevant application documents, XXXX 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
On XX/XX/XXXX I received funds from work on prepaid card with US Bank. XX/XX/XXXX I paid one bill and it went through successfully. On XX/XX/XXXX I paid two bills, my electric bill and a partial rent payment, and transactions did not show to go through but I did have receipts showing payments were made. On XX/XX/XXXX the transactions still have not shown to go through but bills came back as no funds and I got added late fees. On XX/XX/XXXX and XX/XX/XXXX I called US Bank and they stated I did in fact have funds and will need a new bank card since transactions are not going through on their end. I asked for an explanation as to why a transactions were not going through and they just said I had a bad card I needed a new one. I asked to speak with a management position about receiving a email from them so I had in a formal letter that I do have funds in the account and the bank was having issues themselves with transactions not going through. They hung up on me and will not speak to me further about the situation.

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 2025-05-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I used a mortgage forbearance for 2 months, XXXX and XXXX of XXXX, it totaled {$1100.00}. I made 2 payments of {$400.00}, one on XXXX and XXXX. They continued to send me bills not showing the payments. 
I wanted a corrected bill before I paid off the remaining {$370.00}. They have still not corrected the bill and are charging late fees. They've acknowledged that I didn't pay the 2 months that I mentioned above and I've sent them bank statements and confirmation numbers proving the {$400.00} payments. It seems like this should be resolved but they refuse. 
The forbearance was given by XXXX and Lakeview, I am now dealing with Mr. Cooper

Company response to consumer: Closed with explanation