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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Dear TransUnion, I am writing to dispute inaccurate information on my TransUnion credit report regarding the following account : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Account Type : Installment Reported Issue : Late payment ( s ) According to my records, this account was paid in full and never late. Despite this, it continues to show late payments on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to ensure the accuracy of reported information and correct errors. Additionally, under FCRA 1681s-2 ( b ), furnishers of information must investigate and correct any inaccuracies once notified. 

I am requesting that TransUnion : Investigate this account immediately with the creditor. 

Correct or remove any inaccurate late payment information. 

Provide me with a written confirmation of the correction. 

I have enclosed supporting documentation, including payment records and my credit report, confirming that this account was never late and has been paid in full. 

Please complete this investigation promptly and update my credit file accordingly. 

Sincerely, XXXX XXXX XXXX ( Last XXXX ) : XXXX Phone : XXXX Email : 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to dispute a late payment that has been incorrectly added to my credit report. I am confident that I fulfilled all payment obligations on time, and this reporting does not match my records. This inaccuracy is unjustly affecting my credit standing.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Why is this company reporting on my credit report? I don't ow any money to this company at all. I'm not sure why it's on my credit report. 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-08-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXX  Account not mine

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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 XXXX 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
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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax due to their ongoing failure to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically regarding multiple inaccurate, outdated, and unverifiable accounts that remain on my credit report despite my formal disputes. 

I have disputed the following items with Equifax, providing sufficient evidence and reasonable justification that they are either incorrect, outdated, or unverifiable. However, Equifax has not conducted a proper reinvestigation as required under 15 U.S. Code 1681i ( a ), nor have they provided any meaningful verification or explanation. 

The following accounts remain on my report inaccurately : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Marked with late payments that I have already disputed as inaccurate. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Charge-off status is reported, but no proper validation or original documentation has been provided. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$88.00} Incorrect charge-off. Ive never authorized or opened this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} This is an alleged collection that I have no knowledge of, and Ive requested validation without response. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Another unverifiable and inaccurate charge-off. 

XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX Bankruptcy listed inaccurately ; I have never filed for bankruptcy in the state of Georgia and have requested proof which has not been provided. 

XXXX XXXX Inquiry Dated XX/XX/XXXX Unauthorized hard inquiry that I did not initiate nor consent to. 

Despite repeated efforts to resolve these issues directly with Equifax, they have failed to correct or remove these items, failed to verify the information per FCRA guidelines, and have ignored my rights to a fair and accurate credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax 's lack of compliance and take appropriate action. I am also requesting that all the above-mentioned inaccurate and unverifiable items be removed immediately from my Equifax credit file.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XX/XX/year>2025, I disputed a {$3900.00} collection account reported by XXXX XXXX XXXX ( XXXX ) for XXXX XXXX XXXX XXXX XXXX This debt had already been resolved through a notarized settlement agreement with the original creditor, XXXX, which required deletion of all derogatory credit reporting. Payments under the agreement were accepted. 

XXXX was not a party to the agreement, has no proof of assignment, and has not provided any documentation showing legal authority to collect this debt. XXXX has confirmed in writing that XXXX does not have an assignment or the right to collect. 

Between XX/XX/year>2025, and XX/XX/scrub> 2025, I sent three separate written validation requests to XXXX. The first was returned undeliverable ; the second and third were received, but XXXX only produced a second-year lease and a partial security deposit statement. They failed to provide the original signed lease, a complete accounting of charges, proof of assignment from XXXX, or the method of verification used with the credit bureaus. 

On XX/XX/year>2025, XXXX marked the account as closed but continues to report it as active and derogatory. The account is also not reported consistently across all three bureaus. This reporting is inaccurate, unverifiable, and misleading, violating the FDCPA and FCRA. I am requesting immediate deletion of the tradeline from all credit reports.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am reporting violations of FCRA 623 ( a ) ( 1 ) ( A ) and UCC 9-611, 9-613 involving inaccurate reporting by XXXX  XXXX, XXXX, and XXXX XXXX on my TransUnion and Experian credit reports. 

XXXX XXXX is reporting a chargedoff account with inconsistent balances and dates, without proper validation. XXXX is reporting incorrect payment history and account status. XXXX XXXX continues to report an account that was voluntarily dismissed by the company in Maryland court, making its reporting inaccurate and misleading. 

These furnishers have failed to ensure accuracy as required under FCRA, and did not provide proper notifications or disclosures required under UCC before disposition of collateral. 

Requested Resolution : Remove or correct all inaccurate information on my credit reports. 
Provide written confirmation of corrective action from furnishers and credit bureaus. 

Supporting documentation, including court dismissal records and credit report excerpts, is 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 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am reporting violations of FCRA 623 ( a ) ( 1 ) ( A ) and UCC 9-611, 9-613 involving inaccurate reporting by XXXX  XXXX, XXXX, and XXXX XXXX on my TransUnion and Experian credit reports. 

XXXX XXXX is reporting a chargedoff account with inconsistent balances and dates, without proper validation. XXXX is reporting incorrect payment history and account status. XXXX XXXX continues to report an account that was voluntarily dismissed by the company in Maryland court, making its reporting inaccurate and misleading. 

These furnishers have failed to ensure accuracy as required under FCRA, and did not provide proper notifications or disclosures required under UCC before disposition of collateral. 

Requested Resolution : Remove or correct all inaccurate information on my credit reports. 
Provide written confirmation of corrective action from furnishers and credit bureaus. 

Supporting documentation, including court dismissal records and credit report excerpts, is 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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I booked an XXXX XXXX round trip flight for XXXX passengers using my Chase Sapphire Reserve credit card points through the Chase travel portal. I booked the flight on XXXX and the travel dates were XXXX through XXXX. The first flight went without issue, but the second flight was cancelled by the airline due to weather, and we were rebooked onto a flight for the following day. I then worked with a Chase Travel agent to cancel me and my wife out of that new flight as we needed to be back home that day. I verified with the airline that the tickets were unusued and a refund was issued, and verified with Chase Travel ( after several days of phone calls totaling about 3-4 hours of time on the phone ) that the refund should be issued back to my points balance, but I am still waiting for any kind of indication that this is happening. 

First they told me it would show up within 2-3 days ( when I called on XX/XX/XXXX ), then I followed up on XX/XX/XXXX when they told me it was being processed that day and should be reflected in my points balance by the next day if not sooner. Most recently I called on XX/XX/XXXX when they told me it would show up in my next credit card statement on XX/XX/XXXX, and I am still seeing nothing.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
A late payment has been inaccurately reported on my credit report. I have always paid this account on time, and this entry is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I financed a {$4300.00} coaching program through Affirm ( XXXX / XXXX XXXX ). I received the product, but it was not as advertised, and I requested a refund. The merchant agreed and processed a full refund after I filed a CFPB complaint. 

Affirm did return part of the money {$390.00} but withheld {$500.00} as interest. That interest is being charged on a loan that was fully refunded due to misrepresentation. I never would have agreed to the loan if the product had been accurately represented. 

Affirms own refund policy states : If the merchant completes processing a full refund, you will no longer need to repay your Affirm loan. Any payments already made will be refunded to your original form of payment, less any accrued interest. 

In my case, the full refund was issued, and Affirm has acknowledged that. Yet theyve continued to withhold {$500.00} despite their policy and the circumstances. 

Since XX/XX/XXXX, Ive spoken to multiple Affirm support reps and supervisors. I was told repeatedly that the interest refund was escalated and Id receive an email. Ive been promised email updates and refund decisions on at least XXXX separate occasions, and never received a single follow-up. The case was also restarted without notifying me, causing further delay. 

Affirm has acknowledged the issue, the delay, and that the loan was refunded yet XXXX still out {$500.00}. I am requesting a full refund of the interest charged on a canceled, refunded loan, in accordance with Affirms own policy.

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: FL

Complaint narrative:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.     \n\n\nUNAUTHORIZED INQUIRIES: 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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: TX

Complaint narrative:
Equifax hoe can you state that this dispute does not belong to you, when you clearly shows you investigated this alleged account. lying to the CFPB stating does not belong to Equifax. I'm sure there is a violation here again I request your method of verification in detail, because you did not verify this account you state as accurate updated report also you fail to answer there quest for information again 4th time { I want a manual investigation with complete details who you talked to company name person you talked to who did the investigation from your company, what was said in detail under section 605B states it is illegal to report anything on my consumer report without my permission you Equifax and XXXX XXXX have committed fraud, I request the information forward flow agreement, chain of assignment, how the alleged debt was securitized for proper validation of debt. respond through the CFPB, you should have this information to be 100 % accurate any thing less is not 100 % accurate reporting

Company response to consumer: Closed with non-monetary relief