vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I am filing this complaint regarding ProCollect , Inc., who is attempting to collect a debt that was confirmed by the original creditor ( XXXX XXXX XXXX, located in XXXX, AZ ) to have been sent to collections in error. 
On XX/XX/year>, I vacated my apartment. On XX/XX/year>, I received a move-out statement showing a balance of approximately {$1300.00}, which was incorrect. I immediately contacted the property by phone and email to dispute the amount. Over the next 10 weeks, I followed up repeatedly without resolution. On XX/XX/year>, XXXX XXXX finally issued a corrected balance of {$530.00}, acknowledging the earlier amount was wrong. 
However, on XX/XX/year>, only five days later, I was notified that my account had been sent to collections and reported as 90 days past due. I continued to contact the property, and on XX/XX/year> XXXX, a representative of XXXX XXXX confirmed that the debt should not have been sent to collections and that it would be recalled from ProCollect immediately. 
Despite this, ProCollect called me on XX/XX/year> XXXX and again on XX/XX/year> XXXX, threatening to report the debt to credit bureaus. During the first call, I verbally disputed the debt and instructed the collector not to contact me further. My written dispute letter has also been mailed to their office. 
ProCollects continued calls and threats to report this debt after being notified by the original creditor that it was sent in error appear to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d, 1692e, and 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

I am requesting that the CFPB require ProCollect to : Con
firm in writing that the debt has been withdrawn and closed, Cease all contact and collection activity, and Ensure that no credit reporting occurs related to this account.

I am also requesting that CFPB review ProCollects procedures for verifying accounts before continuing collection on debts that the original creditor has already admitted were sent in error.

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 2025-11-03 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
On XX/XX/year>, I used Affirm to finance a {$3000.00} coaching program through XXXX. After not receiving what I paid for and filing a dispute with XXXX, I was removed from the group chat and never received any links to attend live coaching classes. I was denied access to the service I paid for. 

I contacted the merchant and Affirm and submitted a dispute with proof that I never received what I paid for. Despite this, Affirm denied the dispute. I then removed my payment method and asked Affirm to pause the payment plan and ensure no negative reporting. They ignored this and have now marked my account late. 

I have been a long-time Affirm customer with a good payment history. I am now being held financially responsible for a service I was denied access to, and this is unfair. I am requesting the loan be canceled and any negative credit reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
I want to file a complaint regarding inaccurate information on my credit report from TransUnion. My credit report shows a late payment for the following account : Creditor : 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 2025-11-03 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: NC

Complaint narrative:
I am writing to dispute the following information on my credit report, as I believe these items are inaccurate and incomplete. I respectfully request a thorough review of the disputed accounts and that they be corrected or removed in compliance with the Fair Credit Reporting Act. 

Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-11-03 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX  XXXX Bankruptcy Ref # : XXXX BALANCE : {$0.00} I have letter of the fraudulent item appearing on my consumer credit report maintained by you which shows this fraudulent account. I do not recognize the aforementioned account as reported. The aforementioned account on my consumer credit report maintained by your agency 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 non-monetary relief
Consumer complaint received 2025-11-03 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccuracies and discrepancies in my credit report. The following items require investigation and correction to ensure that my credit file is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). Below is a list of the accounts in dispute, separated by each credit bureau. 
Charged Off Accounts in Dispute : XXXX  XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$1400.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX  XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$16000.00} Dispute : The account is being reported incorrectly. Please verify and correct the information.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am filing this complaint because my XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX XXXX, balance {$650.00} ) XXXX XXXX  is being reported inaccurately and inconsistently across the three major credit bureaus Experian, Equifax, and TransUnion in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). 

Each bureau reports a different Date of Last Activity ( DLA ) for the same account : TransUnion shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. None of these entries include any late payment history, even though the timeline of these reported activity dates suggests otherwise. These inconsistencies create confusion and may misrepresent the current status and age of the account. Because credit reporting agencies and furnishers must ensure accuracy and consistency, this appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting, as well as 623 ( a ) ( 2 ) and 623 ( b ), which require data furnishers to promptly correct, update, and investigate any reported inaccuracies. 

Additionally, I have not received any documentation verifying which version of the account data is correct, nor have I been provided with billing or payment history to support the reported activity dates. This violates my right to full disclosure under FCRA 609 ( 15 U.S.C. 1681g ) and my right to dispute inaccurate or unverifiable information under FCRA 611 ( 15 U.S.C. 1681i ). I am also aware that FCRA 15 U.S. Code 1666 and 1666a protect consumers from continued negative reporting or collection activity while a billing dispute is unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am filing this complaint because my XXXX XXXX credit card account ( Account # XXXX XXXX XXXX XXXX XXXX, balance {$650.00} ) XXXX XXXX  is being reported inaccurately and inconsistently across the three major credit bureaus Experian, Equifax, and TransUnion in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). 

Each bureau reports a different Date of Last Activity ( DLA ) for the same account : TransUnion shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. None of these entries include any late payment history, even though the timeline of these reported activity dates suggests otherwise. These inconsistencies create confusion and may misrepresent the current status and age of the account. Because credit reporting agencies and furnishers must ensure accuracy and consistency, this appears to violate FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting, as well as 623 ( a ) ( 2 ) and 623 ( b ), which require data furnishers to promptly correct, update, and investigate any reported inaccuracies. 

Additionally, I have not received any documentation verifying which version of the account data is correct, nor have I been provided with billing or payment history to support the reported activity dates. This violates my right to full disclosure under FCRA 609 ( 15 U.S.C. 1681g ) and my right to dispute inaccurate or unverifiable information under FCRA 611 ( 15 U.S.C. 1681i ). I am also aware that FCRA 15 U.S. Code 1666 and 1666a protect consumers from continued negative reporting or collection activity while a billing dispute is unresolved.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: DApps Platform, Inc.
State: IN

Complaint narrative:
In early XXXXXXXX XXXX, I met a woman on the XXXXXXXX XXXX XXXX After we had talked awhile, I learned she was in the financial field. She offered to invest for me and I said I would not send her money because we just met. She said she could show me how to do it on my own, even though she said she had a secret formula that reset whenever the market changed. She said that she had XXXX crypto experts helping her to build this and that it cost XXXX XXXX XXXX She knew of my situation of being XXXX XXXX XXXX  by my ex wife. She knew exactly how to make me feel better about myself and distract me from the scam. She would guide me through approximately XXXX trades per week with each one only three transactions at XXXX intervals. I thought that i had grown my {$95.00} to over {$330000.00}. Then the " investment cycle '' ended early. It was time cash out. After i tried to withdraw funds to my bank account, I was told that I needed to pay a capital gains tax before they could transfer the funds. After borrowing {$33000.00} from my parents XXXX, they told me I needed to pay another 5 % fee of more than {$16000.00}. I started to get suspicious, which leads me here today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Dear Sir/Madam, I am filing this complaint to dispute several items that have been inaccurately reported on my credit report. Below, I have provided details of the accounts in dispute, separated by the relevant credit bureaus. 

Charged Off Accounts : XXXX Account Number : XXXX Date Reported : XX/XX/year> Balance : {$99.00} Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
I dispute the following account listed on my Experian credit report as it appears to be inaccurate. Please verify the details and ensure compliance with FCRA regulations. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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 2025-11-03 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: IL

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 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: AR

Complaint narrative:
I was looking at my credit report on XXXX and noticed the inaccurately reported on my credit reports with Experian, Equifax, and TransUnion. The account shows : XXXX Reported balance of {$470.00}, exceeding the credit limit of {$300.00}. 
XXXX Payment history errors : only 25 % of payments are shown as on time ; the last reported payment is XX/XX/XXXX, even though the account remained active until XX/XX/XXXX. 
XXXX Conflicting account status : simultaneously listed as Closed, Charge-off, and In Collections. 
XXXX Misleading dispute remarks : Dispute resolved by grantor is inaccurate and does not reflect the actual dispute outcome. 
XXXX Missing minimum payment information. 

I have filed more than five prior complaints with the CFPB regarding this account, yet the inaccuracies remain.

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