vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: Affirm Holdings, Inc
State: RI

Complaint narrative:
I purchased an XXXX XXXX XXXX XXXX  XXXX  using Affirm as the financing method through the XXXX XXXX. The XXXX arrived defective ( DOA no POST / no boot ). The seller provided the original XXXX XXXX receipt, which allowed me to open an official XXXX with XXXX. 

I shipped the defective product to XXXX, and tracking shows it was delivered to their warehouse 8 days ago ( 6 business days ). XXXX  customer support informed me in writing that replacements are typically shipped within 5 business days after the defective unit is received. 

Despite this, XXXX has not shipped the replacement nor provided a tracking number. I continue receiving the same generic responses such as the case has been forwarded to the warehouse, with no real update or action taken. The XXXX status has not progressed at all. 

Because the product is defective and currently in XXXX possession, Affirm had to pause the loan due to XXXX  failure to complete the warranty replacement in a reasonable timeframe. I am left without the product and without a resolution. 

I am requesting the CFPBs assistance to ensure that XXXX fulfills their warranty obligations by either shipping the replacement immediately or issuing a full refund. I have proof of the XXXX, delivery confirmation, Affirms dispute pause, and all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-12-05 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-05 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 am submitting this complaint because my credit report is showing multiple inaccurate and unverified accounts that are harming me financially. These creditors have failed to provide any proper documentation, proof, or verification, yet negative information continues to be reported. I am requesting CFPB assistance to force a full investigation and correction. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Charge Off Issue : I never received proof of any default. Reporting is inconsistent and unverified. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Charge Off Issue : No documentation, no proof of delinquency, and the charge-off reporting is inaccurate. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : I never made late payments and no records were provided. Reporting is incorrect. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late Payment Issue : These late payments are false and not supported by any verification. 
These items are damaging my credit, affecting approvals, and causing financial harm. I am requesting the CFPB to require the furnishers and bureaus to provide proper proof or remove/correct all inaccurate information immediately.

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 2025-12-05 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: TN

Complaint narrative:
These accounts are on my credit file as fraud and want them removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-12-05 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I asked and mail the company many time on the phone and I have also merited leaders 6 in the last 2 years and nothing is happening and no one is reaching out to me to fix the problem

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 2025-12-05 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: TX

Complaint narrative:
I am filing this complaint because my credit report contains major inaccuracies that have affected my life and my ability to move forward. My correct legal name is XXXX XXXX, but the credit bureaus are reporting several incorrect name variations including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. These names are not mine, and because of this mixed-file error, my credit report is showing accounts and hard inquiries that do not belong to me. 

These inaccuracies violate 15 U.S.C. 1681, which requires the credit bureaus to report only accurate information and to properly reinvestigate disputed items. I have tried to correct these mistakes directly with the bureaus, but the incorrect names and unauthorized accounts were not removed. 

I am XXXX XXXX XXXX, and for years I have been trying to buy a home for my family. Every time I apply, I get denied because my credit file is showing negative information that does not belong to me. It has been extremely stressful to know that I am being held back by mistakes that are not even mine. I work hard, I take care of my responsibilities, and I have done everything Im supposed to do yet these errors continue to hurt me. 

The mixed-file issue has attached multiple accounts and hard inquiries to my credit, causing severe and unfair damage. I never applied for many of these accounts, and I did not authorize the inquiries being reported. These mistakes have stopped me from being able to qualify for a home loan and have created emotional and financial hardship for me and my family. 

I am asking for the CFPBs help because the credit bureaus have not corrected this problem even after I disputed it with them.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this follow-up statement to request immediate attention to the ongoing inaccuracies reported on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$470.00} Date XXXX Date of Last ActivityXXXX  Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Date XXXX Date of Last XXXX Last XXXX Late 30 days XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$13000.00} Date XXXX Date of Last XXXX Last Payment XXXX XX/XX/XXXX Late 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX Last XXXX not reported in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$62000.00} Date XXXX Date of Last XXXX Last Payment : XX/XX/XXXX Late 30 days Mar-Apr XXXX XXXX XXXX entries continue to reflect unverifiable late payments that do not match my verified payment history or the corrections previously made by the bureaus. These accounts still display inconsistent and unsupported delinquencieseven though I have maintained timely payments and no documentation has ever been provided to validate the negative informationresulting in violations of FCRA 611 ( a ) ( 1 ) ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I noticed a collections account on my credit report for a company I have never heard of - Credit Control Services. I was never notified of any " debt '' and never even received a bill. The company that I supposedly owe is XXXX XXXX, and I have never had a policy with them. I have never purchased any services or signed any kind of contract with XXXX XXXX. I contacted XXXX XXXX and they agreed that I do not have an account with them or owe them any money, but they won't remove it from my credit report because it has been sent to collections. Again, I HAVE NEVER DONE ANY BUSINESS WITH XXXX XXXX.

I want to know how Credit Control Services is able to put a derogatory account on my credit, dropping my excellent credit score DRAMATICALLY, without ever attempting to contact me, send me a bill, notify me of intent to collect, or anything. They need to talk to XXXX XXXX who I supposedly owe, and who told me that in fact THIS IS NOT A VALID DEBT. This feels like a scam and I want it off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a collections in the amount of XXXX with National Credit Systems that I have tried to resolve over the past year. The original balance owed was XXXX. Ive made payments that amount to XXXX which is almost half of the amount I owe. I fell ill in XXXX of XXXX and payments were inconsistent but I paid when I could. I tried to be open and transparent with NCS throughout this time period. I contacted the collections representative, XXXX XXXX, who is in charge of my account XX/XX/XXXX to address my account and to make him aware that my goal was to have the amount still owed paid off by XXXX or XXXX of XXXX at the latest. There was a scheduled payment of the full balance on my account that prevented me from making one time payments at a more manageable amount and I also couldnt set a payment schedule for the smaller amounts due to the system not allowing me to because there was a payment already scheduled on my account. I requested for the scheduled payment to be canceled on more than one occasion and my request was ignored. I asked to make arrangements to make XXXX separate payments in XXXX, or XXXX consecutive payments on my next XXXX pay dates with the last payment being XX/XX/XXXX. He wanted me to make a payment that day, XX/XX/XXXX. I explained I wouldnt be able to pay that day, and his response was that he was going to mark the account as refusal to pay since the arrangement was not being followed, even though there was never an agreed upon agreement. The payment was scheduled on my end by accident and I explained this but he ignored me and did nothing to correct the issue. I said I understood that he was marking my account and he hung up on me without explaining what that meant. I have since been blocked from making payments online, with my credentials being revoked to be able to see the payment or any other information in regard to my collection balance. Before the issue escalated it was already hard to communicate with this company and XXXX XXXX due to bullying tactics they use to try and get me to make the payment of the entire balance. Even with the scheduled payment on file I received repeated calls. The situation has been stressful. Im currently enrolled in a debt relief program through XXXX XXXX XXXX and they explained that theres something legal attached to the account and that its in XXXX. I was never given a demand letter nor a notice that I was being sued if thats what the company did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Despite multiple disputes and uploaded documentation, Equifax has failed to address the specific dispute regarding repeated monthly " Charge-Off '' notation from XXXX. This violates FCRA 602 ( A ), 607 ( b ), and 611. Their response only 'verified " the account 's existence, but not the misleading nature of repeated monthly " CO '' ente=ries. This has directly resulted in job loss, increased insurance rates and credit denials. I demand a full Method of Verification and immediate correction or deletion.

Company response to consumer: Closed with non-monetary relief