vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am filing this complaint to report a case of identity theft that has affected my credit reports. I previously disputed and had these items removed due to confirmed identity theft. However, it has been re-reported to my credit report, which is both distressing and incorrect. 

This item should not have been reinserted, as I have already submitted all necessary documentation to the credit bureaus and relevant financial institutions, including : A police report confirming the identity theft An identity theft affidavit Prior dispute documentation proving this account was fraudulently opened without my consent This re-reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and is causing me significant financial and emotional harm. I am requesting the Consumer Financial Protection Bureau to review this matter and take immediate action to : Investigate why this account was reinserted despite being previously resolved Ensure this item is permanently removed from all three credit bureaus Prevent any future re-reporting of this fraudulent account Please see the attached police report and supporting documentation for your review. I appreciate your time and attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I have been trying to get my card and account to get fixed and I have called emailed and everything with affirm and I keep getting told its this or that not a clear answer and then they have to escalate it and there is no way to talk to the escalate team so you get put in a black hold I been going back and forth for a month now. it was great till I needed help then I been pushed aside they are very much the definition of zero help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The following accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 

Moreover, XXXX XXXX. XXXX ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the account in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under XXXX XXXX. XXXX for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

These accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX & XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> early morning at XXXX, I woke up and noticed an unidentified charges of {$500.00} which was approved by Wells Fargo bank XXXX I called and denied all charges, but the bank refused to solve the problem.

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 monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I call time on XXXX separate occasions about a online purchase that I made but never received called and contacted the company never received it called chime to dispute my totals on it and never got it and was told that I could not get it because I received the merchandise I never received it and still have not received the merchandise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
There are multiple inaccuracies on my credit report that I would like you to investigate and remove as quickly as possible. 

They're in the account XXXXXXXX XXXX for {$8400.00}. This account is fraudulent and the bank has never investigated completely. They have never shown any proof that I owe any of this money I would like it investigated and removed unless they can show proof that I owe this money. 

XXXX XXXX what was the transactions on this account of fraudulent I've been paying just because I don't want my account to default, but I shouldn't have to pay for fraudulent transactions. The bank has refused to investigate these fraudulent transactions. 

XXXX XXXX XXXX {$6800.00}. I never open this account. This account does not belong to me. I have no knowledge of who owns this account but it's not me. I would request that the account be closed and zeroed out as quickly as possible And removed from my credit report. 

There is a hard inquiry XXXX XXXX XXXXXXXX on XX/XX/year>. I did not apply for this credit card. I did not give the bank to pull a hard inquiry on my report. I've already contacted the bank. They said that they apologize for the fraudulent activity, but that the Credit reporting agencies would need to remove it so I'm asking you to remove this unless you have proof that it belongs to me. 

XXXX XXXX, the bank refuses to investigate the fraudulent transactions. I should have a XXXX balance they have punished me for a criminal stealing my credit card and have closed my account but still expect me to pay for the fraudulent transactions. I'm pretty sure that's against the law. 

There are XXXX XXXX personal loan inquiries on XXXX different dates. I didn't request a personal loan from XXXX at all. I didn't approve them to pull the hard inquiry on my credit report. I've contacted XXXX just like the other bank. They apologize, but said that it was up to the credit bureaus to remove the fraudulent inquiries, so I'm asking you to do that.

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 2025-06-09 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: MA

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 2025-06-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX Date : XX/XX/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 2025-06-09 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX U.S. Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately. This information belongs to a corporate account under the companies XXXX number. No personal guarantee was given for this account. XXXX has made several failed attempts to validate this debt. The creditor only verifies the amount and me as authorized user, and not whether the account is corporate or personal. However, transunion clearly shows the account as a personal account 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 non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigatingXXXX sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

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 2025-06-09 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. Identity Theft XXXX Case Number : XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX XXXX involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 VA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX 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}

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 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I requested validation of the debt in the form of the actual lease in XX/XX/year>. XX/XX/year> I called and spoke to the collection agency and was told they did not get a lease on file but a rental application. I informed them that is not a lease which is what the debt is claiming I owe money on and that you must remove the debt from my credit report since you can not validate the debt The employee began to demand that I answer him if I rented from the agency. I told him to please provide proof that I owe this debt or remove it from my credit report. He hung up on me. They have been unable to provide proof of the debt yet they continue to refuse to remove the debt from my credit report after given 30 to provide proof of the debt Phone of collection agency XXXX Balance : {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-09 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief