vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit bureaus and the following furnishers of information for knowingly reporting false, inaccurate, and unverified information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Wrong Address Reporting The following addresses are incorrectly associated with my credit profile, creating confusion and suggesting identity discrepancies : XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX, MI XXXX ( XX/XX/XXXX ) I have never resided at these addresses. Reporting false addresses is damaging, misleading, and a violation of FCRA 607 ( b ), which requires maximum possible accuracy.

2. False & Inaccurate Account Reporting XXXX  XXXX ( Acct : XXXX ) Reported with late payments ; Date Opened : XX/XX/XXXX ; Balance : {$3300.00}. These late payments are not accurate or verified. 

XXXX XXXX ( Acct : XXXX ) Reported with late payments ; Date Opened : XX/XX/XXXX ; Balance : {$65000.00}. These lates are unverified and must be substantiated with a complete payment history. 

XXXX XXXX ( Acct : XXXX ) Reported with late payments despite a {$0.00} balance ; Date Opened : XX/XX/XXXX. This is misleading, inaccurate, and causes unjust harm to my creditworthiness. 

These accounts are being reported without proper verification and in violation of FCRA 609 and 611, which require furnishers and credit bureaus to properly verify disputed information or remove it.

3. Unauthorized and Questionable Inquiries The following hard inquiries were made without my explicit consent and must be investigated and removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604, consumer reporting agencies may only release my credit file under specific permissible purposes. These furnishers have not provided such permissible purpose, and therefore these inquiries must be deleted. 

DEMAND FOR ACTION I am requesting the CFPB to take immediate enforcement action to : Require the deletion of the wrong addresses listed above. 

XXXX a full investigation into the XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and remove all inaccurate/unverified late payments. 

Permanently delete all unauthorized and unlawful inquiries listed above. 

Hold the reporting agencies and furnishers accountable for negligence, lack of verification, and violations of 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX - 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 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 XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX FL XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 
I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC Systems / original creditor XXXX XXXX. Equipment was returned to them after I terminated my services with them. I have a collection on my credit for the equipment.

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 2025-09-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX, I received a phone call from a number that appeared to be Uber. The caller claimed to be Uber staff and told me I would receive a driver bonus if I logged into my Uber Pro card account and added a new card. Acting in good faith, I followed the instructions. Shortly after, my funds were transferred out of my account to a fraudulent card. I called uber, who confirmed they did not call me and did not have a bonus card for me. They said the caller was associated to a pickup request for XXXX and the location was in the ocean. Uber said it was fraud and referred me to Uber Pro Card issuer. 

I disputed this with my Uber Pro card issuer. They denied the claim, stating that the transaction was authorized by me because I logged into my account and added the card number. However, I did not authorize the transfer of my money to a fraudster. I was misled by a scam call, and my consent was obtained through deception. 

Why this is a violation : Under Regulation E ( Electronic Fund Transfer Act ), this was an unauthorized electronic funds transfer. Fraudulently induced transfers are covered because the consumer never intended to authorize the actual recipient of the funds. Despite this, my card issuer has refused to reimburse me.

What I want : Reopen my dispute Provide provisional credit as required by Regulation E while they investigate Conduct a proper investigation and provide a written explanation of their findings Refund the stolen funds if they can not show I knowingly authorized the transfer My attachments below are screenshots. One is of the actual call log showing Uber as the caller. It shows the time the call came in and the number that called me. 
There is a screenshot of the funds transfer that occurred at XXXX, while I we still on the phone with the Uber phone number. 
2 attachments are the denial email from uber pro card. 
Another attachment is the email confirmation that shows the money was sent to a card ending in XXXX, which is the fraudulent card given to me that I believed was a bonus from Uber.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i am requesting my full file disclosures from all XXXX cra 's - transunion, equifax, and experian according to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i am requesting my full file disclosures from all XXXX cra 's - transunion, equifax, and experian according to the FCRA.

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 2025-09-23 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: OK

Complaint narrative:
I AM REQUESTING MY FULL FILE DISCLOSURES UNDER THE FCRA FOR ALL 3 CRA 'S WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
I am formally disputing the XXXXXXXX XXXX account ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported on my TransUnion file. 
Defects No Late History Reported : Your file shows NONE REPORTED, while XXXX  and XXXX report multiple XXXX notations. 
This inconsistency demonstrates failure to ensure maximum possible accuracy under FCRA 607 ( b ).

By merely parrotting the furnishers code, you would violate Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ), which requires independent reinvestigation.

Metro 2 Field Breaches Payment History Profile ( XXXX ) blank in TU, populated in XXXX. 
Account XXXX/ Special Comment inconsistent coding of XXXX vs OK months. 
Date of First Delinquency ( DOFD ) not disclosed.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Affirm Inc . 
XXXX XXXX XXXX, Floor XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Subject : Direct Dispute of Inaccurate Charge-Off Reporting - Account # XXXX To Whom It XXXX Concern, I am submitting a formal direct dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 8 ), regarding the inaccurate reporting of my Affirm Inc. account XXXX Account Number : XXXX ). The payment history reported to Experian reflects the following timeline : 30 days late as of August 2023 60 days late as of September 2023 90 days late as of XX/XX/XXXX Charged off beginning XX/XX/XXXX This timeline shows that Affirm reported the account as a charge-off after only 90 days of delinquency. However, according to standard credit reporting and banking regulations, installment loans can not be charged off until at least 120 days past due. Reporting a charge-off at only 90 days is materially inaccurate and misleading. I am demanding that Affirm Inc. provide documentation veritying the accuracy of this reporting, including : 1. The date the account was first delinquent and the date Affirm considered it a charge-off. 2. Any internal policies or regulatory basis used to justify charging off the account at 90 days. 3.

The complete payment history and any records relied upon to report the charge-off. If you can not provide full documentation supporting your reporting, you are required under the FCRA to correct the inaccuracy with all credit reporting agencies or delete this account entirely. Please consider this a direct dispute and a request for investigation. I expect a written response and correction within the 30-day period allowed under federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Between XX/XX/XXXX thru XX/XX/XXXX I purchased total of XXXX DOGE and XXXXXXXX XXXX XXXXXXXX from Gemini exchange. I have tried access to my account over the past month and repeatedly getting the message to verify with a passkey which I DO NOT have and I have the screen shots that I have failed and try again and that I do not have a passkey...... Then they krequested I take a selfie holding up my ID in one hand and handwritten note with date photo taken and submitted along with case number...... I did that several times .. Finally email stating my ID want verified and I could access my account.INCORRECT, I could not .. Still same issues Then after pleading to open the account they again wanted the same photo and docs referenced above but would not accept them It is just one stall after stall after stall.. I have their emails and I admit after one month I realize I will probably not get my money back approx. {$3000.00} I want to sell and retrieve my money but they block me at every turn ... I am done trying to get them to allow me access as I just get more of the same and its extremely frustrating. If you can help me I would sincerely appreciate your efforts and to keep this from happening to any other innocent souls XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: SC

Complaint narrative:
I have a reason to believe that my personal information was compromised due to the recent Trans Union data breach. this race, a serious concern under the Fair Credit Reporting Act, as it and dedicate a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data pursuant to my rights under the FCRA 602, 607, 611, and the Gramm- Leach- Billey Act, I am formally requesting the immediate deletion of any accounts, inquiries or records that can not be fully and independently verify at the furniture level. Despite my previous disputes, Trans Union has failed to correct or delete the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has opened two fraudulent accounts on my credit report that are identity theft. They need to remove both account according to identity theft policy at FCRA and Georgia debt statute of limitations for contracts which is 6 years

Company response to consumer: Closed with explanation