vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in XXXX XXXX, I am requesting their removal within XXXX days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint against Affirm , Inc. regarding their selective credit reporting and refusal to honor a request for correction or removal of a late payment. 

Affirm only reports certain loans to the credit bureaus and chooses not to report others. However, when I contacted them to request a goodwill adjustment or deletion of a reported late payment, I was told they are unable to remove accurate information. 

This is misleading. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report data fairly and accurately, but there is no law preventing them from making voluntary corrections or deletions. Since Affirm voluntarily reports only some accounts, their refusal to consider goodwill adjustments while maintaining selective reporting creates an unfair, incomplete representation of my credit history. 

I contacted Affirm directly and asked for an explanation and for the late payment to be removed. They responded with a blanket denial, refusing to consider any adjustment despite having the ability to request one with the credit bureaus. Ive uploaded proof of their refusal.

I am requesting the CFPB investigate this behavior and require Affirm to either correct the late payment or remove the tradeline entirely if they can not report my payment history in a consistent and fair manner.

I have attached my formal goodwill request to Affirm, which includes a full explanation of the circumstances, my account history, and my attempt to resolve this matter directly. Several of my follow-up messages from XX/XX/XXXX and XXXX have been deleted from Affirms secure message platform, limiting my ability to present their full responses, but I have included the correspondence I still have available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
The credit report for account number XXXX * * * * indicates several discrepancies and issues that may warrant further investigation or dispute : Missing Creditor Information : The creditors name is not listed, which is atypical for a credit report. 
Zero Credit Limit and High Credit : Both the credit limit and high credit are reported as {$0.00}, which is unusual for a revolving account. Typically, these fields reflect the maximum amount of credit extended and the highest balance ever owed, respectively.

Charge-Off Status with Outstanding Balance : The account is markedThe as Collection/Chargeoff with a balance of {$340.00} and a past due amount of {$100.00}. This suggests that the debt was not fully paid or settled at the time of charge-off.

Account Closure at Consumers Request : The comment indicates that the account was closed at consumers request, which may conflict with the charge-off status. Typically, accounts closed by the consumer are in good standing. 
Last Activity and Payment Dates : The last activity and last payment are both dated XX/XX/XXXX, but the account was last reported on XX/XX/XXXX. This gap may require clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN- XXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Validation of Alleged Debt Pursuant to XXXX U.S.C. XXXX Account Number- XXXX Dear LVNV Funding LLC, I am writing to you regarding an alleged debt you claim I owe. I hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ), to request proper validation of this alleged debt. 
Pursuant to federal law, I demand the following : Chain of Assignment : Supply full documentation evidencing the chain of custody and assignment of this debt from the original creditor to LVNV Funding LLC, including but

not limited to all bills of sale, assignment agreements, or purchase agreements. Purchase Agreement : Provide the complete purchase agreement between the seller of the alleged debt and LVNV Funding LLC to verify lawful ownership and rights to collect. 


Itemization of the Alleged Amount Owed : A complete itemized breakdown of how the alleged amount was calculated, including principal, interest, fees, and other charges. 


Please be advised that until you provide the documents requested, you must cease all collection activities pursuant to XXXX XXXX. XXXX ( b ). 
Additionally, be reminded that reporting invalidated debt to any credit reporting agency violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ). Any continued reporting of this alleged debt without proper validation will be considered an additional violation of federal law and will be documented for future litigation, including claims for actual damages, statutory damages, and attorneys fees under XXXX XXXX. XXXX. 
Failure to respond within XXXX ( XXXX ) days from the date of receipt of this letter will constitute a waiver of all claims against me and an automatic agreement to remove any and all references of this account from any and all credit reporting agencies to which you have reported. 
Governing Law : This letter is governed under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and applicable state and federal laws. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Your Full Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Request to Update Personal Information on My Credit Report Dear [ Equifax/Experian/TransUnion ], I am writing to formally request an update to the personal information listed on my credit report. Below is the correct information that should be reflected : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : [ XX/XX/year> Social Security Number ( Last 4 Digits ) : XXXX Phone Number : [ XXXX ] Please remove or correct any outdated or inaccurate information such as former names, incorrect addresses, or old contact numbers.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
When I initially received the card they said if I had my account on automatic payments, which it was at the time, they would not charge me an annual fee but they did anyways of {$39.00} back in XXXX of XXXX. I asked them to reverse it but they would not. I had to let it go. Now they are charging me {$59.00} for an annual fee after I paid my balance in full. I asked them to take this off as they reduced my limit to {$500.00} when I used to have a {$1500.00} limit. They are hurting my credit by doing this. I was never late in making payments and my credit scores are better than when I initially got the card. There is no reason for them to reduce my credit limit.

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 2025-04-26 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: PA

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  AND XXXX XXXX * * * * Balance Owed : {$2900.00} Date Opened : 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 explanation
Consumer complaint received 2025-04-26 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} Charged off- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$790.00} XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX CXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$30000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-26 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} Charged off- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX CAPITAL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$790.00} XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX CXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$30000.00} Charged off- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$29000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$370.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 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 2025-04-26 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have repeatedly attempted to resolve fraudulent charges from Paypal/Synchrony Bank both XXXX ( working with their customer services representatives ) who have either mis-handled or directly lied to me ; secondarily through a series of letters to them from XXXX of XXXX  all of which have been summarily ignored. I continue to be inundated with text and written letter collection attempts 100 % of which are false ( all of which I believe originate from fraudulent charges plus intervening absence of payment on my part resulting in the accumulation of false charges and interest now totaling in excess of {$1000.00}. Again, 100 % of this is fraudulent and false ; however the my letters to Paypal go completely ignored including my accusation of them repeatedly violating the Fair Debt Collection Practices Act, 15 USC 1692.

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 2025-04-26 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: TX

Complaint narrative:
This morning, I discovered that some incorrect accounts had appeared on my credit report, and I have no idea how they got there. I reviewed my credit report like I normally do, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccurate accounts remained. Given this situation, Im requesting that the documents I submitted be carefully reviewed so I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
I am submitting this complaint to EQUIFAX regarding inaccurate information on my credit report that has not been validated, certified as accurate, or physically verified. 

I have identified potentially erroneous and questionable entries on my credit file that have not been properly verified. As a consumer, I am entitled to request the immediate removal of these entries in accordance with my federal and state consumer rights. This complaint also serves as a reminder to ensure that the items reported to you adhere to the requirements outlined in FACTA Title 1, Section 151, which specifies the procedures for handling such matters. 

XXXX XXXX * * * * Balance Owed : {$55.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * * Balance Owed : {$2400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation