vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2025-07-03 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: TX

Complaint narrative:
I am writing to dispute a reported late payment that appears on my credit file. I have maintained a spotless record of timely payments on all of my credit accounts for several years, and this negative mark stands out as an anomaly. After reviewing my records, I can confirm that the payment in question was made within the required timeframe.

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 2025-07-03 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX is showing an account on my credit report. Timing of this account was when I had identity fraud on my account. I have requested through Transunion the signatures and activity on this account because it is fraudulent. Transunion refuses to request or provide this 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 non-monetary relief
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I have previously disputed with Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Please see the attached letter for detailed documentation of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-03 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: GA

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report resulting from identity theft. These items are inaccurate and were not authorized by me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete this unauthorized information. Enclosed are a list of the disputed items and my Identity Theft Report filed with the FTC. 

Please provide written confirmation once these corrections have been completed. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

Complaint narrative:
I am requesting the removal of fraudulent accounts and inquiries from my credit report due to identity theft. 

Under Section 605B of the FCRA, please block and delete the unauthorized items. Ive included a list of the disputed entries and my FTC Identity Theft Report. 

Please confirm once the corrections are made. Thank you.

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Critical Ideas, Inc.

Complaint narrative:
What happened? 
On XXXX first, XXXX XXXX XXXX, an international wire transfer oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), equivalent to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), was initiated. This transfer was intended for a XXXX XXXX account held with Chipper Cash. 
The funds were successfully sent from the originating bank to Chipper Cash 's designated intermediary bank account in XXXX ( identified by account number ending in XXXX and XXXX XXXX  ). The transaction has a unique reference number : XXXX. 
According to Chipper Cash 's stated processing times, wire transfers should be credited within twenty-four hours. However, as of XXXX third, XXXX XXXX XXXX the aforementioned funds have still not been credited to the recipient 's account with Chipper Cash XXXX 
Multiple attempts have been made to resolve this issue directly with Chipper Cash 's customer support. All requested documentation, including proof of the sender 's transaction, was provided to them. Despite these efforts and persistent follow-ups, Chipper Cash has failed to provide a clear explanation for the delay or a definite timeframe for when the funds will be made available. Their responses have been vague, indicating the issue is being " forwarded to an appropriate team '' but offering no concrete resolution. 
This prolonged delay and lack of transparent communication are causing significant financial inconvenience and distress.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this dispute to formally request a re-investigation and immediate deletion of XXXX Capital One tradelines that are fraudulently reporting on my credit file and are directly connected to identity theft. These accounts were not opened or authorized by me, and they are the subject of my valid FTC Identity Theft Report # XXXX, submitted on XX/XX/XXXX. 

Accounts in Dispute : Capital One Account Ending in XXXX Balance : {$510.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Capital One Account Ending in XXXX Balance : {$440.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Capital One Account Ending in XXXX Balance : {$3700.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX These accounts are not mine, and I did not open, authorize, or use them. Capital One has admitted they can not provide signed applications or original agreements, which violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ). Without this verification, the accounts are unverifiable and must be deleted under FCRA 611 ( a ) ( XXXX ) ( A ). 

Further, the continued reporting of past-due balances after the charge-off dates reflects illegal re-aging and misleads lenders into believing there is current delinquent activity. This directly violates FCRA 605 ( a ) ( 4 ) and Metro 2 guidelines and fails to meet the accuracy standard required by FCRA 607 ( b ).

Capital One also confirmed no IRS Form 1099-C has been issued for these balances, including one exceeding {$3700.00}. This undermines the legal status of the debts and raises concerns about their continued collectibility or validity.

Finally, under FCRA 605B ( 15 U.S.C. 1681c2 ), a valid FTC Identity Theft Report is sufficient to demand the blocking of fraudulent information within XXXX business days no police report is required. That timeline has passed, and these accounts are still appearing on my credit file, in direct violation of this provision. 

Requested Resolution : Immediately delete Capital One accounts ending in XXXX, XXXX, and XXXX from all consumer reporting agencies. 

Provide written confirmation of the deletion and the method of verification used ( if any ). 

Cease all further furnishing, collection, or reinsertion attempts related to these accounts.

Investigate Capital Ones failure to comply with FCRA 605B, 611, and 607 ( b ). 

I have fulfilled all legal requirements as a victim of identity theft. These accounts are fraudulent, unverifiable, and damaging, and they must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I called and spoke with a representative months prior to my XXXX payment to update my ACH account as I was managing different mortgages from new accounts. At that time, the representative updated all my information on file including getting rid of an old company number and updating new one. Apparently when XXXX payment was supposed to be pulled automatically ( all my bills are autopay ) it was reversed due to insufficient funds. Rocket Mortgage drafted from the wrong account so the funds showed not available. I was never notified. They said they tried calling but used old number which i had removed because that company phone was no longer active. So I was unaware that payment had not been received and pulled from the correct account. Payment was immediately once I had discovered their error. They did not acknowledge this error and would not make it right. I have never missed a payment with them in 16yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
I XXXX XXXX am physically filing this complaint against TransUnion for reporting inaccurate personal identifying information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). My correct and legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, TransUnion continues to report incorrect name variations and addresses that are not associated with me. Additionally, the employment history shown on my report is completely inaccurate. I have never worked for the companies listed. 
According to FCRA 1681e ( b ), TransUnion is required to maintain the maximum possible accuracy of all information it reports. Under FCRA 1681i, they are also obligated to conduct a reasonable reinvestigation when inaccurate or unverifiable data is disputed. TransUnion has failed in both respects. 

I am demanding : The immediate removal of all incorrect name variations ; Also Known As : XXXX, XXXX, XXXX The deletion of all inaccurate and unauthorized addresses ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The removal of any employer not lawfully verified as accurate. 
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 2025-07-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this dispute to formally request a re-investigation and immediate deletion of three XXXX XXXX tradelines that are fraudulently reporting on my credit file and are directly connected to identity theft. These accounts were not opened or authorized by me, and they are the subject of my valid FTC Identity Theft Report # XXXX, submitted on XX/XX/XXXX. 

Accounts in Dispute : XXXX  XXXX Account Ending in XXXX Balance : {$510.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX  XXXX Account Ending in XXXX Balance : {$440.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX  XXXX Account Ending in XXXX Balance : {$3700.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX These accounts are not mine, and I did not open, authorize, or use them. XXXX XXXX has admitted they can not provide signed applications or original agreements, which violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ). Without this verification, the accounts are unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Further, the continued reporting of past-due balances after the charge-off dates reflects illegal re-aging and misleads lenders into believing there is current delinquent activity. This directly violates FCRA 605 ( a ) ( 4 ) and Metro 2 guidelines and fails to meet the accuracy standard required by FCRA 607 ( b ). 

XXXX XXXX also confirmed no IRS Form 1099-C has been issued for these balances, including one exceeding {$3700.00}. This undermines the legal status of the debts and raises concerns about their continued collectibility or validity.

Finally, under FCRA 605B ( 15 U.S.C. 1681c2 ), a valid FTC Identity Theft Report is sufficient to demand the blocking of fraudulent information within 4 business days no police report is required. That timeline has passed, and these accounts are still appearing on my credit file, in direct violation of this provision.

Requested Resolution : Immediately delete XXXX XXXX accounts ending in XXXX, XXXX, and XXXX from all consumer reporting agencies.

Provide written confirmation of the deletion and the method of verification used ( if any ).

Cease all further furnishing, collection, or reinsertion attempts related to these accounts. 

Investigate XXXX XXXX failure to comply with FCRA 605B, 611, and 607 ( b ).

I have fulfilled all legal requirements as a victim of identity theft. These accounts are fraudulent, unverifiable, and damaging, and they must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute to formally request a re-investigation and immediate deletion of three XXXX XXXX tradelines that are fraudulently reporting on my credit file and are directly connected to identity theft. These accounts were not opened or authorized by me, and they are the subject of my valid FTC Identity Theft Report # XXXX, submitted on XX/XX/XXXX. 

Accounts in Dispute : XXXX  XXXX Account Ending in XXXX Balance : {$510.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX  XXXX Account Ending in XXXX Balance : {$440.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX XXXX  XXXX Account Ending in XXXX Balance : {$3700.00} Charged Off : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX These accounts are not mine, and I did not open, authorize, or use them. XXXX XXXX has admitted they can not provide signed applications or original agreements, which violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ). Without this verification, the accounts are unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Further, the continued reporting of past-due balances after the charge-off dates reflects illegal re-aging and misleads lenders into believing there is current delinquent activity. This directly violates FCRA 605 ( a ) ( 4 ) and Metro 2 guidelines and fails to meet the accuracy standard required by FCRA 607 ( b ). 

XXXX XXXX also confirmed no IRS Form XXXX has been issued for these balances, including XXXX exceeding {$3700.00}. This undermines the legal status of the debts and raises concerns about their continued collectibility or validity.

Finally, under FCRA 605B ( 15 U.S.C. 1681c2 ), a valid FTC Identity Theft Report is sufficient to demand the blocking of fraudulent information within 4 business days no police report is required. That timeline has passed, and these accounts are still appearing on my credit file, in direct violation of this provision.

Requested Resolution : Immediately delete XXXX XXXX accounts ending in XXXX, XXXX, and XXXX from all consumer reporting agencies.

Provide written confirmation of the deletion and the method of verification used ( if any ).

Cease all further furnishing, collection, or reinsertion attempts related to these accounts. 

Investigate XXXX XXXX failure to comply with FCRA 605B, 611, and 607 ( b ).

I have fulfilled all legal requirements as a victim of identity theft. These accounts are fraudulent, unverifiable, and damaging, and they must be permanently 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 explanation
Consumer complaint received 2025-07-03 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: MI

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 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm sent me an email invoice because I requested a loan, but I didn't. I found out by calling the company XXXX. XXXX  XXXX  informed me that the loan was used to buy women 's bags, but I have not received them nor purchased them yet. As a result of this report, I was labelled as a delinquent payer, and it was included in my record. Consequently, it has had an impact on my score. My goal is to quickly resolve this issue and get my score back on track. This took place at the start of XX/XX/year>. 
Affirm informed me that I was approved, but I am not familiar with this purchase. 
The loan is {$630.00} Below is the company 's name : Active Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: VT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief