vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB regarding Experian, specifically related to their reckless handling of personal data, evidenced by the recent data breach. This breach has exposed the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) & 605B ( 15 U.S.C. & 1681 c-2 ), along with the protections afforded under the Identity Theft and Assumption Deterrence Act of XXXX, I demand the immediate removal of fraudulent information from my credit report resulting from identity theft and fraud. Experian is legally obliged to resolve this matter within four business days of receiving this complaint, in accordance with the stringent timeless mandated by these regulations. -- -- -Account information : -- -- XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and derogatory collections entries on my FICO credit report. The uncertainty and distress caused by these inaccuracies are a direct consequence of identity theft enabled by Experian 's gross negligence in safeguarding consumer data. To substantiate my claims. I have enclosed documentation of my FTC identity Theft Complaints.This should be removed in 4 days according to 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 2025-09-25 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: DE

Complaint narrative:
I am formally submitting a complaint to you after carefully reviewing my credit report and finding several errors that are causing harm to my credit profile. I am requesting a reinvestigation and permanent removal of these items under the Fair Credit Reporting Act. 
My correct and only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX. However, I was concerned to see the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX still appearing on my report. This false information must be removed in accordance with FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) .My credit file shows late closed accounts from XXXX XXXX with a balance of {$0.00} and XXXX XXXX with a balance of {$0.00}. Both of these accounts are closed, carry no balance, and yet remain reported negatively. This is a violation of FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
I also discovered a charge off reported from XXXX XXXXXXXX XXXX with a balance of {$1800.00}. This reporting is not accurate and no 1099-C has been issued, even though the balance exceeds {$600.00}. This failure makes the entry incomplete and unverifiable, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, there is another charge off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed with a balance of {$0.00}. Despite the XXXX balance, the derogatory status is still being reported, which is inaccurate and harmful. This account must be blocked under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 605B 15 U.S.C. 1681c-2. 
I further dispute the collection account from XXXX XXXX with a balance of {$62.00}. This account is connected to identity theft and is both inaccurate and unverifiable. Reporting it violates FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 15 U.S.C. 1681i ( a ), and FCRA 623 15 U.S.C. 1681s-2. 
Lastly, there are unauthorized inquiries on my file from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I never authorized these inquiries, and they were made without permissible purpose. Their reporting is a violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 619 15 U.S.C. 1681q.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: DE

Complaint narrative:
I am formally submitting a complaint to you after carefully reviewing my credit report and finding several errors that are causing harm to my credit profile. I am requesting a reinvestigation and permanent removal of these items under the Fair Credit Reporting Act. 
My correct and only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX. However, I was concerned to see the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX still appearing on my report. This false information must be removed in accordance with FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) .My credit file shows late closed accounts from XXXX XXXX with a balance of {$0.00} and XXXX XXXX with a balance of {$0.00}. Both of these accounts are closed, carry no balance, and yet remain reported negatively. This is a violation of FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
I also discovered a charge off reported from XXXX XXXXXXXX XXXX with a balance of {$1800.00}. This reporting is not accurate and no 1099-C has been issued, even though the balance exceeds {$600.00}. This failure makes the entry incomplete and unverifiable, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, there is another charge off from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed with a balance of {$0.00}. Despite the XXXX balance, the derogatory status is still being reported, which is inaccurate and harmful. This account must be blocked under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 605B 15 U.S.C. 1681c-2. 
I further dispute the collection account from XXXX XXXX with a balance of {$62.00}. This account is connected to identity theft and is both inaccurate and unverifiable. Reporting it violates FCRA 605B 15 U.S.C. 1681c-2, FCRA 611 15 U.S.C. 1681i ( a ), and FCRA 623 15 U.S.C. 1681s-2. 
Lastly, there are unauthorized inquiries on my file from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I never authorized these inquiries, and they were made without permissible purpose. Their reporting is a violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 619 15 U.S.C. 1681q.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
XXXXI sent money from the United States to XXXX on XXXX XXXX XXXX], with Transaction Number: XXXX XXXX XXXX. Unfortunately, the funds were credited to the wrong account:\n\nWrong Account Number credited: XXXX XXXX XXXXCorrect Beneficiary Account Number: XXXX XXXX XXXX XXXX XXXX XXXX XXXXI raised my first complaint with Remitly on XXXX XXXX XXXX XXXX  and followed up every day through XXXX. I specifically requested that Remitly send a correction request to the intermediary bank to update the account details. However, Remitly failed to act on this and instead closed my complaint on [Insert Closure Date] without providing a solutionXXXXAs of today, the money has not reached the rightful beneficiary, nor has it been reversed back to me. Closing the complaint without resolution has caused me financial loss, stress, and inconvenience.XXXXI kindly request that yoXXXXReopen my case with RemitlyXXXXDirect Remitly to coordinate with the intermediary bank to either credit the correct account or reverse the fundsXXXXEnsure that Remitly does not dismiss genuine consumer complaints without proper resolution in the futureXXXXI am ready to provide all supporting documents, transaction receipts, and complaint references for your reviewXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. \nXXXX XXXX  (Original Creditor: XXXX XXXX) XXXX   Balance: XXXXnXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-25 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
Dispute Summary for XXXX XXXX Account # XXXX I am formally disputing the accuracy, legality, and reporting of this account. I have completed an extensive administrative remedy process regarding this alleged XXXX XXXX debt. Notices have also been sent to Equifax, Experian, and TransUnion advising them of the dispute and warning against unauthorized or inaccurate reporting of this account. 
Summary of Administrative Process : On multiple occasions, I sent Notices of Adequate Assurance and Due Performance to XXXX XXXX, including detailed questions under XXXX compliance and contract performance, with affidavit requests. 
I received no verified affidavit, no wet-ink signed contract, and no evidence of XXXX XXXX lawful status as holder in due course. 
Reprise Financial failed to respond substantively and dishonored the notice process, including a certified Notice of Default and Opportunity to Cure and a Final Administrative Determination of Dishonor. 
Notices to Credit Bureaus : I previously sent formal letters to Equifax, Experian, and TransUnion ( copies on file ) advising of Reprise Financials fault and dishonor, stating : That no default or negative report was authorized ; That no lawful validation had been produced ; and That continued reporting would be considered a material breach and a violation of the Fair Credit Reporting Act ( FCRA ). 
Violation : Despite clear and timely notice, XXXX XXXX reported this account as 90 days past due on or around XX/XX/year>, during the active dispute period. This violates : 15 U.S.C. 1681s-2 ( a ) ( 3 ) prohibition on furnishing inaccurate or disputed information to credit reporting agencies ; 15 U.S.C. 1692g ( b ) prohibition on collection/reporting activity during unresolved disputes.

This account is unverified, falsely reported, and unlawfully maintained on my consumer report. It must be immediately deleted, and I request written confirmation of your reinvestigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am submitting this complaint to dispute a false late payment reported by XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1. 
I have already contacted the credit bureau and the furnisher ( XXXX ) to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed. 
Confirm that no further harm is done to my credit profile due to this inaccurate reporting. 

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I am disputing inaccurate information that appears on my credit report. First Investor is reporting an account ( XXXX ) that is not accurate. I have already disputed this with XXXX and the furnisher , but the item remains.

This violates the Fair Credit Reporting Act because only accurate and verifiable information can be reported. I am requesting that this item be removed or corrected 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Re : Demand to Cease All Communication Alleged Debt {$670.00} Account/Reference : [ Insert account number if known ] To Whom It May Concern : This letter is a formal demand that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding the alleged debt of {$670.00}. This demand includes all direct and indirect communications by telephone, mail, email, text, third-party contact, and reporting to any credit reporting agency. Reporting or continuing to report this alleged debt to credit bureaus constitutes communication and is prohibited after receipt of this letter. 

If you believe you have a legal basis to proceed, do so only through a court of competent jurisdiction. Any further attempt to collect this alleged debt or to communicate about it outside those channels will be treated as a violation of my rights under federal and state law and will be documented for possible legal action and complaints to regulatory authorities. 

This letter is not an admission of liability. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding SHELLPOINT MORTGAGE s failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX, XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. XXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. SHELLPOINT MORTGAGE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed. 

XX/XX/XXXX XXXX erroneously claims they received a payment more than 30 days late. I have contacted them directly numerous times to correct this, but this error remains on my report. All payments were made on time and as agreed.

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 2025-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
At the time I applied to the school connected with the loan ( XXXXXXXX XXXX  ) I also applied for a loan from the company that is associated with them which is Affirm based in XXXX XXXX. This was in late XXXX and while Affirm specified the interest fees and how the load was to be repaid they failed to provide two critical elements based on the Truth in Lending Act. These were 1 ) not informing me of the three day cancellation policy and 2 ) not issuing me a self certification form which I was to complete and then forward back to them. Since the issuance of the loan I have not repaid any amount but I made an additional complaint against the school ( XXXXXXXX XXXX  ) as well and when the case was reopened in mid XXXX this month by Affirm following the dispute I had with XXXXXXXX XXXX, Affirm sided with them on the matter of not issuing me a refund which is why I've taken action against Affirm as well.

Company response to consumer: Closed with explanation