vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$5100.00} DateXXXX 2 ) XXXX  Amount XXXX {$7500.00} DateXXXX 3 ) XXXX XXXX Amount : {$5900.00} Date:XXXX 4 XXXX XXXX XXXX Amount : {$3.00} Date:XXXX 5 ) XXXX XXXX XXXX  Amount : {$890.00} Date:XXXX 6 ) XXXXXXXX XXXX XXXX XXXX  Amount : {$23000.00} DateXXXX 7 ) XXXX XXXX XXXXXXXX Amount : {$7600.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6 ) XXXX XXXX XXXX XXXX, CA XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 9 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX 10 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 11 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12 XXXX experian. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 13 ) XXXX XXXX  XXXX XXXX XXXX, CA XXXX 14 ) XXXX XXXX XXXX XXXX, CA XXXX 15 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 16 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 18 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX/XXXX  2 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$5100.00} DateXXXX 2 ) XXXX  Amount XXXX {$7500.00} DateXXXX 3 ) XXXX XXXX Amount : {$5900.00} Date:XXXX 4 XXXX XXXX XXXX Amount : {$3.00} Date:XXXX 5 ) XXXX XXXX XXXX  Amount : {$890.00} Date:XXXX 6 ) XXXXXXXX XXXX XXXX XXXX  Amount : {$23000.00} DateXXXX 7 ) XXXX XXXX XXXXXXXX Amount : {$7600.00} Date:XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX INCORRECT NAMES LISTED : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6 ) XXXX XXXX XXXX XXXX, CA XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8 ) XXXX XXXX XXXX XXXX XXXX, CA XXXX 9 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX 10 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 11 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12 XXXX experian. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 13 ) XXXX XXXX  XXXX XXXX XXXX, CA XXXX 14 ) XXXX XXXX XXXX XXXX, CA XXXX 15 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 16 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 18 ) XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX UNAUTHORIZED INQUIRIES LISTED : 1 ) XXXX XXXX/XXXX  2 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and systematic inaccurate reporting on my credit file. Please see attached

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 2025-08-06 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: AL

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 non-monetary relief
Consumer complaint received 2025-08-06 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: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
I contacted Trident Asset Management in writing for debt validation and a contract bearing my signature. Under the Fair Credit Reporting Act 15 USC 1681g and 15 USC 1681 ( a ). After two months no information was sent. I called the company. I was told they were a credit reporting company and they do not provide debt validation. Two weeks later I was sent a letter with 3 different company names for the same so called debt. The letter will be attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Since XX/XX/year>, i asked the company to remove collection on my credit profile for a debt that is not mine, they didn't not do it and i asked them to validate the debt and they can not do that. So, i would like to ask them again to remove this collection on my report because i did not where this debt came from and it is not mine. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
DEPT OF ED DEPT OF ED I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit.

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I want to be ensured that they have done a thorough reinvestigation and my report has the maximum accuracy. Furthermore please certify the purposes for why my credit report was pulled by Dept Of Education. Also this account keeps negatively affecting my credit report I would like to know the method of verification, the date you sent it to the furnisher and please provide me the information of who was spoken to when you were investigating. I would like for this to be done in a timely manner if not I will take a private right of action and I will be seek compensation for the damages and hardships created by your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
I demanded full disclosure of the original credit agreement bearing my signature I demanded a detailed breakdown of the finance charges, annual percentage rates ( XXXX ), total payment schedule, and any other fees applied to the account ; I requested the identity of the original creditor, including all assignment or transfer documents relevant to the alleged debt ; You must provide this documentation within XXXX  days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a debt related to XXXX ( XXXX ). I was a customer enrolled in an aligner treatment plan with them in XX/XX/scrub>XXXX 2023. However, XXXX then filed for bankruptcy and abruptly ceased operations in XX/XX/scrub> 2023. As a result, my treatment plan was left incomplete. 

I attempted to contact XXXX  through multiple channels ( email and website ) following the bankruptcy announcement, but all lines of communication were inactive or unresponsive. Their customer service was shut down without notice, and no resolution was ever provided regarding the unfulfilled portion of my treatment. 

XXXX XXXX XXXX, XXXX ( XXXX ) worked with the Office of the New York State Attorney General ( OAG ) to develop a compensation plan ( Compensation Plan ) for certain former customers of XXXX XXXX XXXX ( XXXX ) in the XXXX who were impacted by XXXX closing for business. I was told I was eligible for a complete refund, however I am still being told by several debt collectors that I owe money for a company that no longer exists. 

I have been receiving constant text messages and emails about this debt and it has now significantly impacted my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

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 2025-08-06 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 submitting a follow up complaint and I appreciate your help in removing some of the fraudulent information from my credit file. However, several accounts still remain and need to be deleted.

As stated under FCRA Section 605, inaccurate or fraudulent information must be removed. Ive already submitted the required documents and am resending them here.

If these items are not resolved, my attorney is prepared to take further action.

The remaining disputed accounts include : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-06 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: LA

Complaint narrative:
I am writing to dispute fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and these items were not authorized by me. 

Under Section XXXX of the Fair Credit Reporting Act ( XXXX  ), I request that you block and remove all unauthorized information. 

Enclosed are : A list of the disputed items My Identity Theft Report ( FTC ) A copy of my photo ID and proof of address Please investigate and confirm in writing once the items have been removed. 

Thank you for your prompt attention.

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 2025-08-06 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: GA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXXXX/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 2025-08-06 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: GA

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, I am submitting this complaint against Affirm Inc. for failing to properly investigate an unauthorized loan and for misrepresenting the status of the investigation to the Consumer Financial Protection Bureau ( XXXX ). 
SUMMARY OF ISSUES : - On XX/XX/XXXX, Affirm emailed me stating that my request was still under review by their Account Safety team. 
- I never confirmed any resolution, nor did I complete the affidavit required for their investigation. 
- Despite this, Affirm responded to my previous CFPB complaint claiming that the account was verified and accurate. 
- This contradicts their own communication to me and violates the Fair Credit Reporting Act ( XXXX  ) requirements for complete and accurate investigations. 
ACCOUNT DETAILS : - Account # : XXXX * * * * with Affirm Inc . 
- Date Opened : XX/XX/XXXX - Balance : {$1400.00} - Past Due : {$1400.00} - High Credit : {$1200.00} - Monthly Payment : {$0.00} - Last Reported : XX/XX/XXXX - Comment on file : " First payment never received. Unpaid balance reported as a loss by the credit grantor. '' - Payment history reflects continuous derogatory reporting for over XXXX  months. 
KEY FACTS : XXXX. Affirm reported that the first payment was never received, which supports my claim that this account was not authorized or used by me. 
XXXX. Affirm has provided no documentation proving I applied for or agreed to this loan. 
XXXX. The loan was charged off and derogatorily reported to Experian without verifying authorization or completing the internal fraud investigation they acknowledged. 
XXXX. I never submitted the affidavit they required, and I never received a final response from their safety team. 
This behavior is deceptive and damaging. It denies me the right to a full and fair investigation under the FCRA, and it allows Affirm to continue reporting a disputed account to credit bureaus, harming my credit standing.

Company response to consumer: Closed with explanation