vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and a fair practices which violate the consumer financial protection act ( cfpa ). Specifically. Cash out fail to take a timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, this dispute resolution process was unfair and deceptive as they did not comply with era resolutions requirements under the electronic transfer act ( efta ) and regulations E. These actions has caused a significant inconvenience a financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX XXXX I pulled my credit report and it is showing an accurate XXXX XXXX XXXX this account was paid on XX/XX/2025 paid, and delete XXXX XXXX XXXX informed me that they sent over a deletion for this account looking at my credit report Experian its still showing on my credit report and is inaccurate

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I am filing a complaint about multiple fraudulent and/or inaccurately reported accounts from Affirm Inc. that are appearing on my credit report. Several of these tradelines reflect late payments, yet I do not recognize or recall authorizing any credit arrangement with Affirm Inc. at all.

There appear to be at least three separate Affirm entries, each listed under Affirm Inc. with either missing account data or derogatory payment status remarks. These accounts show no balance, no payment history, no updated reporting, and no proof of loan agreement. At least two of the Affirm accounts are marked with late payments, which is highly misleading and damaging to my credit score and profile. I have no desire to purchase items in payment plans. 

This could be the result of : Identity theft Duplicate or fragmented tradelines Accounts opened without full transparency or agreement Errors in how Affirm reports to credit bureaus I was never properly notified, billed, or given a fair opportunity to validate or dispute the original charges associated with these accounts. I have also received no documentation verifying these entries. Under the Fair Credit Reporting Act ( FCRA ), all items listed in a credit file must be accurate, verifiable, and attributable to the consumer with their consent. Affirm has failed on all fronts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX pull my credit report Equifax is still reporting in accuracy on my credit report XXXX XXXX XXXXXXXX XXXX XX/XX/year>. This account was paid and deleted off of my credit report and as of XX/XX/XXXX it is still showing on my credit report and was not deleted the information on my credit report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account National Credit Systems XXXX XXXX XXXX XXXX  I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified mail " with receipt displaying my XXXX XXXX signature. Requesting original legal purchase agreement/ XXXX XXXX as mandated by the FDCPA. Request for you to provide competent evidence of my contractual obligations to provide payment to account XXXX XXXX XXXX XXXX If not please delete account XXXX XXXX XXXX XXXX  as soon as possible from my report or legal action will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
This is a follow-up to a previous identity theft complaint I submitted, which resulted in partial corrections. I am following up now because the four business days allowed under FCRA 605B have passed, and several items that were properly submitted have still not been blocked. 

While I appreciate the progress made, multiple accounts and pieces of personal information included in my FTC Identity Theft Report ( # XXXX ) and supporting documentation remain unaddressed. Some were listed in my personal statement, while others were added as attachments in the original CFPB complaint. 

Each of the credit bureaus has now issued responses indicating that they are waiting on the furnisher to verify the disputed information. I want to emphasize that this is not a standard dispute governed by FCRA 1681i. This is a formal identity theft dispute submitted under FCRA 605B, which requires credit bureaus to block the disputed information within four business days of receiving proper documentation. The law does not allow for delays while waiting for a response from the furnisher. 

Additionally, Experian has previously stated that personal information tied to open accounts can not be removed. This is both inaccurate and harmful. The fact that an account is open does not validate the legitimacy or consent of the data being reported. When identity theft is involved, any data, open or closed, must be treated as potentially compromised and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
To : CFPB XXXX XXXXXXXX XXXX XXXX : Escalation Notice Improper Charge-Off Updating Violations Dear CFPB Officer, I am escalating the following CFPB complaints : CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX XXXXXXXX XXXX  continues to : Report monthly charge-off updates through XXXX despite last activity in XXXX. 

Create the appearance of newly delinquent debt each month. 

Fail to provide any payment activity or itemized history. 

This violates FCRA 623 ( a ) ( 2 ), Metro 2 compliance, and constitutes unlawful re-aging behavior. 

Relief Requested : Full deletion of XXXXXXXX XXXX  tradeline. 

Enforcement action for repeated re-aging violations. 

Respectfully, 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 explanation
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
To : CFPB XXXX XXXXXXXX XXXX XXXX : Escalation Notice Improper Charge-Off Updating Violations Dear CFPB Officer, I am escalating the following CFPB complaints : CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX XXXXXXXX XXXX  continues to : Report monthly charge-off updates through XXXX despite last activity in XXXX. 

Create the appearance of newly delinquent debt each month. 

Fail to provide any payment activity or itemized history. 

This violates FCRA 623 ( a ) ( 2 ), Metro 2 compliance, and constitutes unlawful re-aging behavior. 

Relief Requested : Full deletion of XXXXXXXX XXXX  tradeline. 

Enforcement action for repeated re-aging violations. 

Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
am disputing an account listed under FEB RETAIL/XXXX  that has appeared on my credit report with multiple derogatory late payments and a notation of being " Paid in settlement. '' I have no knowledge of this account, never opened a line of credit with this company, and was never notified about any delinquency, balance due, or collection activity. 

This account is reported as a line of credit opened on XX/XX/XXXX, with a highest balance of {$2400.00} and a payment history that inaccurately reflects XXXX, XXXX, XXXX, and XXXX delinquencies, followed by a " XXXX '' status in XX/XX/XXXX. It further states the account was " paid in full for less than the full balance '' and was " closed at consumer 's request, '' which is completely false. I have never made payments, settled, or interacted with this account in any capacity. This suggests it is fraudulent or inaccurately reportedpossibly due to identity theft or a reporting error. 

The remarks imply that I settled and requested closure, which is materially false and highly damaging to my creditworthiness. This item is being reported with derogatory language and late payment history that I dispute in full and that I never authorized, initiated, or participated in. 

This constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I never received written notification of any debt or obligation, and the creditor has failed to provide documentation verifying the origin, validity, or ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
Date of reviewXXXX Reports reviewed : Equifax, TransUnion, Experian Following a linebyline examination of my consumer reports, I identified several materially inaccurate or unnecessarily adverse entries that are impairing my credit standing. These entries are summarised below. 

XXXX XXXX XXXX XXXX XXXX ( account XXXX ) Loan XXXX ; paid in full and XXXX. 
Equifax reports the account as XXXX, reflecting no delinquencies. 
TransUnion and Experian report thirtyday delinquencies dated XXXX and XXXX, and Experian designates the account XXXX. 
I never received latepayment notices or fees from the creditor ; the inconsistent bureau data therefore can not all be accurate. 

* XXXXXXXX XXXX / XXXX Card Revolving Account ( account XXXX ) Experian paymenthistory grid records XXXX for XXXX, XXXX, and XXXX. 
Equifax and TransUnion list each of those months as current and paid as agreed. 
Bank statements confirm ontime payments of XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

* * CXXXX XXXX  ( XXXX ), XXXX. XXXX Accounts ( accounts XXXX XXXX ) Both bureaus note the comment Account closed by credit grantor. 
In fact, I initiated the closures on XXXX ; the existing remark is therefore mischaracterised and unnecessarily adverse. 

XXXX XXXX Codes Account previously in dispute now resolved Equifax appends this narrative code to the XXXX and XXXX accounts, implying unresolved contention where none exists. 

XXXX XXXX XXXX ( Equifax only XXXX Equifax lists XXXX hard inquiry dated XXXX. 
I did not apply for credit with XXXX and did not authorise this inquiry. 
The inquiry is absent from TransUnion and Experian, further indicating potential error or unauthorised access. 

These discrepancies appear to contravene Sections607 ( b ) and611 of the Fair Credit Reporting Act ( FCRA ), which require maximum possible accuracy and a proper reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I am reporting an ongoing issue with my credit report related to a closed auto loan account. On XX/XX/XXXX, I discovered inconsistent late payment reporting across my credit reports : one bureau showed no late payments, another reported a 30-day late payment on XX/XX/XXXX, and a third reported 30-day late payments on XX/XX/XXXX, and XX/XX/XXXX. This discrepancy has negatively impacted my credit score. 

I contacted the creditor on XX/XX/XXXX, and they confirmed no late payments occurred. On XX/XX/XXXX, I filed disputes with the bureaus reporting these errors, submitting payment history documentation as evidence. As of today, XX/XX/XXXX, the bureaus have not corrected the inaccuracies despite the 30-day investigation period under the Fair Credit Reporting Act ( FCRA ). I have attached copies of the payment history, dispute submissions, and credit report excerpts showing the errors.

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 2025-06-08 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: OH

Complaint narrative:
I am reporting an ongoing issue with my credit report related to a closed auto loan account. On XX/XX/XXXX, I discovered inconsistent late payment reporting across my credit reports : one bureau showed no late payments, another reported a 30-day late payment on XX/XX/XXXX, and a third reported 30-day late payments on XX/XX/XXXX, and XX/XX/XXXX. This discrepancy has negatively impacted my credit score. 

I contacted the creditor on XX/XX/XXXX, and they confirmed no late payments occurred. On XX/XX/XXXX, I filed disputes with the bureaus reporting these errors, submitting payment history documentation as evidence. As of today, XX/XX/XXXX, the bureaus have not corrected the inaccuracies despite the 30-day investigation period under the Fair Credit Reporting Act ( FCRA ). I have attached copies of the payment history, dispute submissions, and credit report excerpts showing the errors.

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 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Account Credence Resource Management XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified mail " with receipt displaying my XXXX XXXX signature. Requesting original legal purchase agreement/ Debt Verification as mandated by the FDCPA. Request for you to provide competent evidence of my contractual obligations to provide payment to account XXXX XXXX XXXX XXXX If not please delete account XXXX XXXX XXXX XXXX  as soon as possible from my report or legal action will take place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/2024 -- {$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 2025-06-08 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: OH

Complaint narrative:
Date of reviewXXXX Reports reviewed : Equifax, TransUnion, Experian Following a linebyline examination of my consumer reports, I identified several materially inaccurate or unnecessarily adverse entries that are impairing my credit standing. These entries are summarised below. 

XXXX XXXX XXXX XXXX XXXX ( account XXXX ) Loan XXXX ; paid in full and XXXX. 
Equifax reports the account as XXXX, reflecting no delinquencies. 
TransUnion and Experian report thirtyday delinquencies dated XXXX and XXXX, and Experian designates the account XXXX. 
I never received latepayment notices or fees from the creditor ; the inconsistent bureau data therefore can not all be accurate. 

* XXXXXXXX XXXX / XXXX Card Revolving Account ( account XXXX ) Experian paymenthistory grid records XXXX for XXXX, XXXX, and XXXX. 
Equifax and TransUnion list each of those months as current and paid as agreed. 
Bank statements confirm ontime payments of XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 

* * CXXXX XXXX  ( XXXX ), XXXX. XXXX Accounts ( accounts XXXX XXXX ) Both bureaus note the comment Account closed by credit grantor. 
In fact, I initiated the closures on XXXX ; the existing remark is therefore mischaracterised and unnecessarily adverse. 

XXXX XXXX Codes Account previously in dispute now resolved Equifax appends this narrative code to the XXXX and XXXX accounts, implying unresolved contention where none exists. 

XXXX XXXX XXXX ( Equifax only XXXX Equifax lists XXXX hard inquiry dated XXXX. 
I did not apply for credit with XXXX and did not authorise this inquiry. 
The inquiry is absent from TransUnion and Experian, further indicating potential error or unauthorised access. 

These discrepancies appear to contravene Sections607 ( b ) and611 of the Fair Credit Reporting Act ( FCRA ), which require maximum possible accuracy and a proper reinvestigation of disputed 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 2025-06-08 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: TX

Complaint narrative:
On XX/XX/year>, I applied for pre-approval with XXXX XXXX XXXX, which specifically states on their website and application that the application only performs a soft pull and not a hard pull. After getting an alert that the hard inquiry hit my Equifax credit report on XX/XX/year>, I filed a dispute with Equifax on those grounds. I did not provide my consent to XXXX XXXX XXXX to perform a hard pull of my credit file. 

Equifax improperly rejected my dispute and failed to provide a copy of any signed agreement indicating my approval of a hard pull against my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX Statute of Limitations with Texas laws XXXX XXXX called to settle/dispute, they are unaware of me having a account with a balance owed Vance & Huffman LLC- reported inaccurate information with how much I owed Im asking for all to be removed from my credit report

Company response to consumer: Closed with explanation