vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-05-28 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: TX

Complaint narrative:
I found XXXX information on my credit. Report

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm disputing a credit inquiry that appears on my report from a company Ive never done business with and never gave permission to access my credit. I did not authorize this inquiry plain and simple. 

This was an unauthorized pull, and it has no legitimate purpose. Its either a mistake or a clear violation of my rights. Either way, it shouldnt be there.

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 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast 2 Coast Financial Group, LLC
State: KY

Complaint narrative:
I allegedly owe {$200.00} to coast to coast financial from XXXX. Emailed trying to get info to pay online, they did not send me the information and dont have an accessible payment portal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: KY

Complaint narrative:
I allegedly owe {$200.00} to coast to coast financial from XXXX. Emailed trying to get info to pay online, they did not send me the information and dont have an accessible payment portal.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have my house it was paid off it dont show I had a XXXX XXXX  paid off it dont show for my points

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
To Whom It May Concern : According to CFPB # XXXX - Dispute against XXXX XXXX XXXX XXXX XXXX I am writing regarding the recent outcome of my dispute ( s ) with Equifax concerning certain account ( s ) listed on my credit report. Equifax has stated XX/XX/year> that it investigated the disputed information and verified its accuracy. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a complete and detailed method of verification for each of the accounts in question.

Specifically, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive : a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Additionally, pursuant to 12 C.F.R. 1022.43 ( Regulation V ), Equifax is required to provide : a description of the reinvestigation procedure and the business name, address, and telephone number ( if reasonably available ) of any furnisher of information contacted in connection with such information.

Accordingly, for each disputed account, I am demanding the following : A detailed description of the reinvestigation procedures used to verify the accuracy of the disputed information ; The full name, mailing address, and telephone number of each furnisher or data source contacted during the reinvestigation ; Copies of any and all documentation provided by the data furnishers that you relied upon to determine the disputed information was accurate.

Please be advised : if Equifax did not contact the furnishers directly, or merely relied on previously reported information, internal records, or automated verification systems without a genuine reinvestigation, such actions would constitute noncompliance with the FCRAspecifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am filing a formal dispute regarding the reporting of two collection and charge-off accounts appearing across all three credit bureausTransUnion, XXXX, and XXXX. The accounts in question are : XXXXXXXX XXXX XXXX XXXX  ) reported with a date of XX/XX/XXXX and a balance of {$4400.00}, and XXXX XXXX XXXX ( XXXX ) reported with a date of XX/XX/XXXX and a balance of {$370.00}. These accounts are inaccurately and unfairly impacting my credit standing during an extremely difficult period in my life. I recently lost my job, and trying to keep up with my responsibilities while confronting these reporting issues has caused immense emotional and financial stress. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate, incomplete, or unverifiable. According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted from the consumers credit file. Furthermore, for collection and charge-off accounts, creditors and furnishers must comply with 15 U.S.C. 1681s-2, which mandates that they provide accurate and complete data and cease reporting unverifiable or outdated debts.

Given the inconsistencies and potential errors in how these accounts are being reported, I have reason to believe that either the debts were misattributed, reported after the statute of limitations expired, or included due to a failure in accurate reporting procedurespotentially linked to a larger issue of data compromise that I was never informed of. These inaccuracies are not only unjust but also damaging at a time when Im trying to recover financially and emotionally from a series of setbacks beyond my control.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
{$410.00} XXXX XXXX XXXX REPORTING TO MY CREDIT REPORT im 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 receipt displaying my signature. If not, please delete account as soon as possible as this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
My TransUnion credit report shows several inaccurate and fraudulent items that resulted from identity theft. I have previously filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ). Although I sent a letter to TransUnion on XX/XX/XXXX, to dispute these items, they remain on my credit report. This incorrect information is negatively impacting my credit standing. 

Specifically, the following fraudulent items are listed on my TransUnion credit report : A XXXX XXXX  mortgage account ( account number XXXX ), opened on XX/XX/XXXX, is reported as " Foreclosure redeemed '' and " 120 days past due, '' with the last payment noted as XX/XX/XXXX. This account does not belong to me and was opened without my authorization. 

A XXXX XXXX  account ( account number XXXX ), opened on XX/XX/XXXX, is listed as " Charged off as bad debt '' with a balance of {$5400.00}. This account is fraudulent. 

Another XXXX XXXX  account ( account number XXXX ), opened on XX/XX/XXXX, is also listed as " Charged off as bad debt '' with a balance of {$2400.00}. This account is also fraudulent. 

Two unauthorized hard inquiries : " XXXX XXXX  '' dated XX/XX/XXXX, and XXXX XXXX XXXX '' dated XX/XX/XXXX. These inquiries were not authorized by me. 

As a resident of Florida, I am entitled to an accurate credit report under both federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and relevant Florida statutes concerning credit reporting and identity theft.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I traveled internationally from XX/XX/year>, to XX/XX/year>. Shortly after I returned home to California, I discovered that I could no longer log in to my MoneyGram account. I contacted MoneyGrams customer service and was informed that my account had been closed. However, I was given no explanation, justification, or prior notice about this action.

I believe that this was an unfair and wrongful closure of my account. My transaction history has been completely transparent, and I have used MoneyGram loyally over the years without ever knowingly violating any of their terms or policies. I have not received any indication from
MoneyGram that there was any issue with my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NY

Complaint narrative:
I am disputing the continued inaccurate reporting of a XXXX XXXX account ( Acct XXXX XXXX XXXX ), listed as charged-off with a {$360.00} past-due balance. I do not acknowledge ownership of this account. 

I have previously disputed this directly with XXXX  XXXX and requested validation under the Fair Credit Reporting Act ( FCRA ). No supporting documentation or contract bearing my signature has been provided to validate the accuracy or ownership of this debt.

I also raised this issue with the credit reporting agency, and they failed to properly investigate or correct the inaccurate reporting.

Under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), the credit bureau and data furnisher are required to conduct a reasonable investigation and remove unverifiable or inaccurate accounts.

I am requesting that this account be permanently deleted from my credit file, and that all parties involved comply with their obligations under the FCRA. I am also requesting that the CFPB ensure the credit bureau and XXXX XXXX are held accountable for failing to comply with federal 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 2025-05-28 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: PA

Complaint narrative:
My credit file now contains fraudulent accounts due to a major data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase from XXXX using the Affirm Card via XXXX XXXX The purchase was canceled, and XXXX only authorized a single charge of {$53.00}, which was later refunded. However, Affirm still issued a loan for {$1000.00} at 34.60 % APR ( Loan ID : XXXX ), totaling {$1200.00}. 

The main item, an XXXX XXXX XXXX, was never invoiced, never picked up, and no merchandise was ever received. Despite this, the loan remains active, and Affirm is now sending multiple daily notices claiming I am delinquent and threatening to report me to the credit bureaus. 

I have contacted Affirm over 10 times since XXXX, and each time they have claimed to escalate the issue. Most recently, on XX/XX/XXXX, an escalation team representative called me and hung up. I have also contacted XXXX, who confirmed the order was canceled and never invoiced. 

This is a case of an invalid loan being enforced on a canceled transaction. I am now filing this complaint with the CFPB, FDIC, XXXX, and FTC and will seek legal representation if not resolved immediately. I am requesting that the loan be canceled, any delinquency removed, and written confirmation issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief