vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-22 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: NE

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts that have been inaccurately reported on my credit reports. Please find the details of the accounts in dispute below, separated by credit bureau. 

XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

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 2025-12-22 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: FL

Complaint narrative:
I reviewed my credit reports and discovered multiple hard inquiries that I did not authorize and that are being reported inaccurately. I did not provide written or permissible authorization for these inquiries, and I have no record of applying for credit with some of the listed companies on the dates shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 reviewed my credit reports and discovered multiple hard inquiries that I did not authorize and that are being reported inaccurately. I did not provide written or permissible authorization for these inquiries, and I have no record of applying for credit with some of the listed companies on the dates shown.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
This debt is the result of identity theft committed by a restrained individual. I have police reports, a criminal protective order, and a family court restraining order. Discover has improperly upheld a fraudulent account and referred it to collections. I am requesting immediate removal of the account from my credit reports and cessation of all collection activity. This has gone on for 2 years with police reports and restraining orders, no resolution from company. These XXXX orders have been in effect since 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of XXXX U.S.C. XXXX, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX unauthorized XXXX at XXXX XXXXXXXX, MO, XXXX on my American Express credit card that American Express refused to reverse after disputes. 

On XX/XX/year>, my card was charged {$170.00} at an XXXX pay-at-the-pump location. On XX/XX/year>, a second charge of {$170.00} appeared from the same merchant. I did not authorize either transaction. 

My vehicles do not have fuel tanks capable of accepting fuel purchases anywhere near these amounts. Under normal use, my fuel purchases do not exceed approximately {$60.00}. These charges are therefore physically impossible for my vehicles and strongly indicate fraud, pump manipulation, or card compromise. In addition charges were at another State, City different to my home location in XXXX, Fl, XXXX I promptly reported both transactions to American Express and opened disputes. Despite providing documentation and explaining the physical impossibility of these charges, American Express closed both disputes and determined that I am responsible for the charges without providing sufficient evidence or explanation other than XXXX XXXX XXXX XXXX Credit Card records. 

I am requesting that American Express conduct a proper fraud review, reverse the unauthorized charges, and provide a clear explanation of how liability was determined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: UT

Complaint narrative:
THEY GAVE MY PERSONAL INFORMATION TO MY EX-HUSBAND AND NOW I'M ON THE RUN FOR MY LIFE. THANKS PRMI!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-12-22 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: VA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-12-22 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-22 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: NC

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-12-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a fraudulent personal loan reported by Affirm Inc under account number XXXX in the amount of {$850.00}. This account is appearing on my credit report without my authorization or consent. I did not open or approve this account. This is a direct result of identity theft. The fraudulent activity began around XX/XX/XXXX and was discovered in XX/XX/XXXX. 

I have already submitted an FTC Identity Theft Report ( # XXXX ) and mailed dispute letters to all three credit bureaus. I also requested debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but no original signed contract or chain of title has been provided.

This account is in violation of the following federal consumer protection laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft block FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation duties FCRA 1681e ( b ) Maximum accuracy obligation FCRA 1681i ( a ) ( 5 ) ( A ) Deletion of unverifiable info FDCPA 809 ( 15 U.S.C. 1692g ) Debt validation FDCPA 805 ( 15 U.S.C. 1692cc ) Unauthorized disclosure This continued reporting is harming my ability to provide for my family. It is outrageous, inhuman, and unlawful for this account to remain after official identity theft documentation has been submitted. My personal information was also exposed in the Equifax data breach, which proves the vulnerability of my identity. 

I am requesting the immediate and permanent deletion of this fraudulent account from my credit reports. If Affirm Inc can not provide full documentation with my wet signature, a complete payment history, and a valid chain of title proving their legal right to collect, this item must be removed without delay. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am filing a complaint regarding a bankruptcy record that is being inaccurately reported on my credit report. I did not file for bankruptcy, nor did I authorize or initiate any such legal proceeding. This public record is the result of identity theft and/or inaccurate third-party data reporting. I have already submitted formal disputes with the credit bureaus, along with documentation including : My government-issued ID and Social Security card An FTC Identity Theft Report and/or police report ( if applicable ) A letter from the bankruptcy court stating they do not verify or furnish data to credit reporting agencies Despite this, the bankruptcy remains on my credit report. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681i Failure to properly reinvestigate and delete disputed information FCRA 1681c-2 ( 605B ) Failure to block identity theft-related data FCRA 1681e ( b ) Reporting data that is not maximally accurate or verifiable Bankruptcy courts do not furnish data any third-party sourcing must be verifiable, which in this case, it is not

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 2025-12-22 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: MO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Request to Reopen XXXX Scam Dispute {$550.00} Pet Scam To Whom It May Concern, I am writing to formally appeal and request reconsideration of your decision to deny my XXXX dispute for a {$550.00} payment related to a pet scam. 

On XX/XX/XXXX, I sent {$550.00} via XXXX from my Capital One Checking account ending in XXXX to XXXX XXXX, XXXX ( XXXX ) XXXX for the purchase of a dog. I found the pet through XXXX, and the seller represented that the animal was available and would be delivered to me once payment was made. After I sent the money, the seller demanded additional fees for documentation and vet, and no pet was ever delivered, then proceeded to bloc me. It is clear this was a fraudulent pet sale, and I was misled into sending the funds. 
I reported this to the bank on XX/XX/XXXX, and my claim was denied on XX/XX/XXXX with the explanation that because I authorized the XXXX payment, there was nothing the bank could do. I am requesting that you : 1. Reopen and reinvestigate this dispute as a scam transaction, taking into account the evidence that the seller never intended to provide the pet.

2. Provide a written explanation of how my claim was categorized ( fraud vs. authorized scam ) and the specific reasons for the denial.

3. Consider providing a full refund of the {$550.00} as a fair resolution, given that I was a victim of a clear online scam and did not receive any goods or services.

I am attaching copies of supporting documentation, including : The XXXX transaction confirmation for {$550.00}. 
Screenshots of the pet listing and any photos provided. 
Screenshots of my communications with the seller. 
Any other relevant information showing the deception and non-delivery. 
Please review this information and inform me in writing of the outcome of your reinvestigation. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im reaching out regarding a claim related to fraudulent activity that began on XX/XX/XXXX, when a fraudulent bank account was added to my account in the XXXX system without my authorization. I would like to confirm that the XXXX system was compromised, by the person who created an account through your banking institution to commit fraud, gained access to my account externally, via my personal XXXX email address. 

Through Stripe, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the Discover ( XXXX ) account ending in XXXX. The amount of funds fraudulently deposited is {$5600.00}. 

I am seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution. 

Below is the full account information for the fraudulent account. Thank you for working with me to right this wrong. Please let us know if you need any further information. 

Account XXXX : XXXX Routing Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MS

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