vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to CREDIT COLL regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$170.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, CREDIT COLL failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX : {$240.00}

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 2025-11-20 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: FL

Complaint narrative:
I am disputing the following accounts reported as " charged off '' and " inquiries '' on my Equifax credit report. I believe these accounts contain inaccuracies and request their investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-20 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: OK

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXXXXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX 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 2025-11-20 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: NC

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items are either inaccurate or do not reflect my true credit history. Please investigate and correct the following : CHARGED OFF XXXX, XXXX, XX/XX/year>, XXXX LATE PAYMENTS 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 2025-11-20 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: IL

Complaint narrative:
Issue : Incorrect information on credit report Company : TransUnion Consumer : XXXX XXXX Details : I am filing a complaint due to false, inaccurate, conflicting, and unverifiable data being reported by the credit bureaus and multiple furnishers. 

I disputed multiple derogatory accounts, including collections, charge-offs, and authorized-user accounts. Under FCRA 611, the bureaus were required to conduct a reasonable reinvestigation. They failed to do so.

Violations include : Reporting accounts without proper DOFD Reporting re-aged accounts Reporting unverifiable data from debt buyers Failure to provide validation Automated verification without investigation Failure to delete unverifiable accounts I demand immediate deletion of all disputed tradelines and damages under FCRA.

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 2025-11-20 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-20 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: AR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: KS

Complaint narrative:
On XX/XX/year> Commerce Bank deposited a XXXX XXXX dollar promotional incentive into my checking account after I completed all of the published requirements for the offer. The funds were immediately made available. I withdrew XXXX XXXX dollars on XX/XX/XXXX because the posted balance supported that amount. 

On XX/XX/XXXX Commerce Bank reversed XXXX XXXX dollars of the incentive without any notice, explanation, or citation of a promotional term. This reversal created a negative balance of XXXX XXXX dollars in my account. The online transaction history clearly shows the incentive being posted in full, the withdrawal being made while the funds were available, and the banks later partial reversal. 

I contacted Commerce Bank through their online chat to request an explanation. The representative ended the conversation without providing any reason and instructed me to call a general XXXX number. I have not received any explanation or documentation supporting the banks removal of the XXXX XXXX dollars after the incentive was posted. 

I am requesting that Commerce Bank restore the XXXX XXXX dollars removed from my account, correct the balance to XXXX, provide a written explanation for the reversal, and close the account at my direction once the balance is properly restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX account number XXXXXXXX XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I used Affirm to finance a purchase from XXXX on XX/XX/year> ( Payment Agreement ID XXXX ). Affirm disbursed {$160.00} to XXXX on my behalf. XXXX later claimed that my order was delivered on XX/XX/year>. 
I never received the product. 
On XX/XX/year>, XXXX emailed me apologizing for the late delivery and stating that my order was on its way and that I should receive it within XXXX to XXXX business days. This email clearly shows the product was not delivered on XX/XX/XXXX and that XXXX knew the order was delayed and still in transit at that time. I am attaching a screenshot of that email. 
Despite this, Affirm closed my goods not received dispute in favor of the merchant and has kept the loan active. Affirm has not provided any valid proof of delivery to my address ( no carrier confirmation showing my full address and a successful delivery scan ). 
I am now being asked to pay for goods I never received, even though I provided clear written evidence from the merchant that contradicts their delivery claim. 
I am requesting that the CFPB require : Affirm to reopen my dispute for Payment Agreement ID XXXX Affirm to pause collections and negative credit reporting during the investigation Affirm to remove the charges if XXXX can not provide valid proof of delivery to my address XXXX to either prove delivery with proper carrier documentation or issue a full refund to Affirm so my loan can be closed I am happy to provide any further documentation, including my Truth in Lending/Payment Agreement and all email correspondence with XXXX and Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a notarized Affidavit of Non-Negotiation to the company Credit Collection Serv, that sent letter to me claiming the false debt of {$59.00} was being collected. 

Instead of Credit Collection Serv responding to my Affidavit of Non-Negotiation and honoring the notation on their letter, which said : " we must stop collection on any amount you dispute until we send you information that shows you owe the debt, '' as an unverified certified and bonded agent, they sent this false, fraudulent, unverified debt to XXXX to add to my credit file, in attempt to damage my credit. This company violated Constitutional Laws under 5 USC 3331, failing to prove that they are a certified and bonded agent with legal rights to collect alleged debt. They failed to follow Federal and Civil Rights Laws according to 42 U.S.C. 1983. The alleged debt owner ( XXXX ) and debt collector were never given my consent to transfer this fraudulent document of debt. 

The alleged debt owner ( XXXX ) and debt collector are in willful violation of the Fair Debt Collection Practices Act which is a Civil Offense of 15 USC 1692 and the Uniform Commercial Code, which is a Criminal Offense. 

The alleged debt owner ( XXXX ) and debt collector given notice by me in the Affidavit of Non-Negotiation to cease all collection efforts until they could prove proper legal standing by providing proper validation, and if they refused which they evidently did, the case was to be closed. 

Instead, this company did not comply, completely ignored the entire Affidavit of Non-Negotiation, and proceeded to try to damage my credit by sending such false unverified information to XXXX as noted by XXXXXXXX  on XX/XX/XXXX This is the exact notation on my XXXX Credit file as of today, XX/XX/XXXX : This is showing on my XXXX Credit file : CREDIT COLLECTION SERV has flagged your account as Collections. 

XX/XX/XXXX CREDIT COLLECTION SERV has flagged your account as Collections on XX/XX/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 2025-11-20 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: NC

Complaint narrative:
I am writing to dispute the following accounts on my Equifax credit report. These accounts contain errors that need to be corrected as part of my credit repair efforts. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 have submitted multiple formal dispute letters to XXXX XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX XXXX XXXXXXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am disputing the following accounts reported under my Equifax credit report due to discrepancies related to charged off status and late payments. The accounts listed below are inaccurate or incomplete, and I request a thorough investigation. 

Charged Off Accounts : XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} Late Payment : XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief