vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
Experian is inaccurately reporting a re-inserted repossession from XXXX FINANCE - XXXX for {$4300.00}, which was previously deleted and has now been reinserted into my credit report without proper notification or verification, directly violating my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a disputed item is removed from a consumers credit file but later reinserted, the credit bureau must notify the consumer within XXXX business days, including the name, address, and phone number of the furnisher of the information. This notice is not optional it is a mandatory requirement designed to ensure transparency and protect consumers from the repeated reporting of inaccurate, unverifiable, or incomplete information. However, I never received this legally required notice, suggesting that Experian has failed to follow proper reinsertion protocols, which is a serious breach of my rights. 

Additionally, under 15 U.S.C. 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy in the information it reports. The sudden reappearance of this account, without providing any verification or supporting documentation, indicates a fundamental failure in Experians data verification processes. This account may have been inaccurately reinserted without a proper reinvestigation, potentially as a result of a data breach or internal error, further compromising the integrity of my credit profile. This reckless approach to data management not only undermines my financial stability but also exposes me to unjust financial consequences, including higher interest rates, reduced borrowing power, and potential reputational damage. It is unacceptable for a major credit bureau to allow such critical errors to persist, especially when consumers rely on their reports for major life decisions.

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 2025-05-15 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: CA

Complaint narrative:
Im reaching out because theres a credit inquiry on my report that I did not authorize. It was done online without my knowledge or consent, and I want to be absolutely clear : this is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has but me into wage garnishment by using a debt collection company - I believe Forster and Garbus. I have received no phone calls, no letters, no chance to make this right. I was in collection and paid the full amount and settled the obligation. I was just put into garnishment for another {$2500.00} - not sure what this is.

It seems illegal to not be notified and have wages garnished. I had to find out by contacting my HR to see where the garnishment came from - Sheriff of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
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 explanation
Consumer complaint received 2025-05-15 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 demand that you immediately correct the inaccurate and inconsistent information reported on my credit report. Despite submitting multiple disputes via certified mail ( with proof of receipt attached ), your failure to take corrective action and your manipulation of the process have been evident and damaging. 
I tried to do this in some many ways. 

You guys know i have all the proof to have a case on arbitration. Please mediate this the best way for both parties.\You guys never never send any mail in to my house to verfied or send any proof.

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 2025-05-15 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: WA

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 2025-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a business bank account in XXXX and started to make deposits from my other personal accounts in order to start to make real estate purchases. 

For some unknown reason, Bank of America flagged one of the deposits as fraud and told me that all of the funds in the account ( $ XXXX ) we're being held. Also to note, the deposit that was flagged was for $ XXXX. They're holding over $ XXXX of non flagged funds. All of the money in the account is from my personal accounts and there should never have been an issue. 

They told me they are closing my account and I've been speaking with them almost everyday. During each call, they assure me the account is going to be closed in XXXX or 2 days. When I call back to confirm on the " said '' days, I'm told that the day has moved to another day XXXX days from the current time of the call. I ask for more information or to speak to someone who can help and I'm always told that no one is allowed to share additional information. I'm completely in the dark with no access to any additional information. 

My business needs the funds to operate. I've lost XXXX deposits on properties I was ready to close on. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 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 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy et a XXXXXXXX XXXX  currently being reported on try credit file Upon recently reviewing my credit report. | was shocked to find this account is still listed despite having been fully paid. It was my undeistanding that uoon payment XXXX would remove the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: RI

Complaint narrative:
I opened these buy now, pay later with Affirm through XXXX for purchases. I was making regular payments through auto draft with my XXXX XXXX  checking account. We were a victim of fraud with our XXXX debit card and had to cancel it. Since then, through at lease 6 phone calls with Affirm I have attempted to provide them with the new card for payments and tried logging in through their online portal. We have spoken with multiple reps from Affirm, including Managers on 2 calls. they can't fix my online access and have attempted are unable to process payments to my 4 loans across both the new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Affirm has stated that XXXX XXXX  refuses payment attempts for any clients now, and XXXX although shows no attempt, Affirm states XXXX failed as well. In desperation, we purchased Postal money orders on XX/XX/year> and mailed same day to the address in Texas that the Affirm manager provided. We sent a detailed letter with these 4 money orders, including account number, origination date and amount due. These money orders were to pay the accounts in full because we no longer had faith in Affirm 's methods or systems. To date, the money orders have not been cashed and now we are receiving collection calls from Affirm. this is 100 % their failing and we do not want our credit to be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
The original and last reported debt from XXXX XXXX XXXX XXXX was the amount of {$520.00} as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is representing on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, that debt is {$1400.00}. Nearly XXXX the original amount. That interest isnt in the original agreement In Michigan, debt interest cant exceed XXXX percent annually! Im being garnished for 3 times the original debt. This has to be illegal. Ive been granted a new court hearing,. But I believe the company has still exercised illegal tactics to boost the debt amount. Id like any default judgements they are a part of to be looked into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
On XX/XX/XXXX the bank received a pension plan check for {$1200.00} the bank kept the direct deposit and did not issue a check to me. The bank paid XXXX transaction for {$500.00} and Another for {$500.00}. Bank paid both check leaving a balance of {$220.00}. On XX/XX/XXXX, they received another check from Social Security Administration the direct deposit for {$2200.00} and kept the direct deposit too. 
I called in today and they stated that the account was not closed yet! That they do not know when are they are going to send me my money. 
This is abused to an old retire person. CFPB should fine them for keeping the money that does not belong to them and doing harm to older people that life on social security and pension,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: NC

Complaint narrative:
MRSBPO ( Original Creditor : Spectrum Acct # XXXX ) I'm unaware of this debt and did not have the opportunity to disput this account. If you believe you sent proper notification, please provide with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my credit report or I will have to take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
XXXX XXXX XXXX continues to report on Experian report with balance of {$3900.00}, even though XXXX XXXX XXXX was closed on XX/XX/year>, but still appear on my Experian report with active balances. I submitted evidence of closure, mailed validation letters, and received no response. Despite this, Experian continues to mark it as verified with no documentation. This violates the Fair Credit Reporting Act ( FCRA ). I am requesting deletion of the XXXX XXXX XXXX account unless properly validated with full documentation including assignment of debt.

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 2025-05-15 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: GA

Complaint narrative:
Given that I was unaware of these unjust accounts and did not authorize their creation, kindly remove them from my credit record. I ask that they be removed within 15 days in accordance with USC 1681g. Supporting documentation is attached.

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 2025-05-15 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: GA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-05-15 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: AZ

Complaint narrative:
Equifax is inaccurately reporting a late payment on the XXXX XXXX XXXX account despite there being no outstanding balance or legitimate past due amount. This inaccurate reporting directly violates the FCRAs requirement under 15 U.S.C. 1681e ( b ) that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they publish. In addition, Equifax is legally required under 15 U.S.C. 1681i to promptly conduct a thorough reinvestigation when a consumer disputes an item. Despite my disputes, Equifax has failed to meet these statutory duties and continues to report inaccurate and unverifiable information.

Furthermore, recent findings by the Consumer Financial Protection Bureau have exposed Equifaxs systemic failure to conduct proper investigations, revealing a pattern of sham reinvestigations. This pattern violates 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), which mandates that reinvestigations be conducted within XXXX days and in a reasonable manner, and 15 U.S.C. 1681 ( a ) ( 5 ), which requires prompt deletion or correction of any inaccurate, incomplete, or unverifiable information. Equifaxs ongoing reporting of unverifiable late payments not only violates these laws but also causes substantial financial harm and emotional distress. Given the heightened risk of data breaches affecting consumer data integrity, Equifaxs negligence is even more egregious and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Experian is inaccurately reporting a Chapter XXXX Bankruptcy - Reference # : XXXX and an associated account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, marked as Debt included in or XXXX through Bankruptcy Chapter XXXX, XXXX, or XXXX. This reporting is misleading and potentially incorrect, reflecting poorly on my creditworthiness. Under the FCRA, 15 U.S.C. 1681e ( b ) requires Experian to ensure maximum possible accuracy in the information it reports. Given the serious impact of bankruptcy on credit profiles, it is essential that Experian obtain direct verification from the original source the court before including such detrimental information in my credit report. Relying on third-party databases without proper verification constitutes a violation of my rights under the FCRA.

Additionally, 15 U.S.C. 1681i mandates that Experian conduct a thorough reinvestigation upon receiving a dispute, ensuring that any inaccuracies or incomplete information are promptly corrected or removed. This includes verifying the correct discharge status, case number, and filing details directly with the court, not merely relying on automated data systems or creditor reports. This failure to properly investigate my dispute not only violates my consumer rights but also exposes Experian to significant regulatory and legal liability, as outlined in 15 U.S.C. 1681n.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I tried to dispute through experian and there was no action as I told them this is a fraud on my end. I have no knowledge of an address on my credit report, and I have never resided in XXXX. 

XX/XX/year> amount owe XXXX

Company response to consumer: Closed with explanation