vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Complaint Against Equifax for Willful Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am filing a formal complaint against Equifax for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically for its failure to conduct a reasonable investigation in response to my dispute of inaccurate information on my credit file, as required by 15 U.S.C. 1681i. 

On XX/XX/year>, I submitted a dispute to Equifax concerning inaccurate payment history reporting for my XXXX account. Along with my dispute, I provided extensive and clear supporting documentation, including : Multiple screenshots from my XXXX online dashboard, which display the complete payment history on the accountdirectly contradicting what is being reported to Equifax. 

A visible statement from XXXX indicating this is the information sent to credit bureaus. 

A copy of my Experian dispute results, which confirmed that a human reviewer had examined the same evidence and agreed the payment history was inaccurateresulting in an official correction to my credit report. 

An explanation that TransUnion also corrected the same account after their representative escalated the dispute to a supervisor who confirmed my documentation warranted an update. 

Despite this overwhelming and validated evidence, Equifax refused to correct the information and instead closed my dispute after merely parroting the response from the furnisher ( XXXX ). Notably, Equifaxs representativesincluding a Tier III Consumer Affairs Supervisor I spoke withconfirmed that Equifax does not validate or consider consumer-submitted documentation in its investigation process, and that a furnisher 's response automatically closes the investigation. 

Equifax then suggested I open a new dispute, which I find insulting, inefficient, and a clear evasion of its legal responsibilities. Equifax had not performed the investigation properly the first time and offered no assurance that anything would change in a subsequent dispute. 

This isnt a misunderstandingit is willful noncompliance. Equifaxs refusal to : Conduct a reasonable and independent investigation ; Review and validate documentation from the consumer ; Consider the outcomes of identical disputes with the other XXXX credit bureaus, both of which ruled in the consumers favor ; Provide any transparency into what documents were reviewed or how the conclusion was reached ; ... all amount to a systemic and deliberate violation of FCRA. 

To make matters worse, Equifaxs failure to correct this false reporting caused tangible financial harm : I was recently denied a business loan, directly due to the inaccurate derogatory reporting Equifax has refused to correct, despite being given every opportunity and all relevant evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT I disputed this collection account with Midland Credit Management and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ). I asked for the original signed agreement, a complete payment history, and proof that they are legally authorized to collect and report this debt. I did not receive the required documentation. Despite this, they continue to report this account to the credit bureaus, which is a violation of my rights under the FDCPA and FCRA. I am requesting that this account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Multiple companies accessed my credit report without authorization, harming my credit and score. Despite the credit agencys assurances, these unauthorized and potentially fraudulent inquiries remain. This raises serious identity theft concerns and continues to cause significant stress and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
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: WA

Complaint narrative:
In late XXXX, my household experienced a temporary financial hardship due to delays in my spouse 's VA XXXX benefits ( TDIU ), which were later granted retroactively to XX/XX/XXXX. During that time, XXXX Affirm buy now, pay later loans became 30 days past due. Once the retroactive VA backpay was received on XX/XX/XXXX, all overdue accounts were promptly brought current or paid in full within XXXX hours. 
I submitted XXXX detailed written requests to Affirm between XX/XX/XXXX and XX/XX/XXXX asking for a one-time goodwill adjustment based on this documented, disability-related hardship. I provided proof of the VA rating decision, repayment history, and requested compassionate review not correction of inaccurate data. 
In each instance, Affirm issued identical, copy-pasted denials within hours, stating only that the information is accurate, without addressing any of the evidence I submitted or the disability-related cause. Their refusal to individually assess my situation contradicts their public marketing about veteran support and flexible hardship assistance, and raises serious concerns under the Fair Credit Reporting Act ( FCRA ), UDAAP ( 12 U.S.C. 5531 ), and XXXX rights protections. 
I believe Affirm failed to meet its duty to conduct a reasonable investigation under the FCRA and instead defaulted to a form-letter response, disregarding a documented veteran household hardship that was temporary, resolved, and fully repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
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 ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

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 XXXX XXXXXXXX NC XXXX ACCOUNTS : XXXX XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
WARNING this is your cease and desist to STOP REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT! I filed a formal complaint on XX/XX/year> sending in proof of inaccurate information being reported by you, your only response is the account is verified but the information is false and inaccurate. IF YOU CONTINUE TO REPORT THE FOLLOWING ACCOUNTS I WILL PROCEED WITH LEGAL ACTION AND SUE THIS C.R.A ALONG WITH THE FOLLOWING CREDIT CARD COMPANIES WITH THE FULL POWER OF THE LAW BEHIND ME. In accordance with the information in complaints number ( experian- XXXX ( Equifax-XXXX  ) and XXXX TransUnion-XXXX ) regarding XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX YOu ARE VIOLATING and BREAKING THE LAW DELETE AND REMOVE THESE ACCOUNTS IMMEDIATELY AND NO LONGER REPORT THEM OR LEGAL ACTIONS WILL FOLLOW FOR MONETARY AND PUNITIVE DAMAGES FOR THE LAST 5 YEARS OF YOUR UNLAWFUL AND ILLEGAL REPORTING

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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson and Kennard, LLP
State: NM

Complaint narrative:
I was sued by Nelson & Kennard for a credit card debt I have with XXXX XXXX XXXX XXXX. After coming to an agreement for monthly payment arrangements with an account representative, XXXX, on XX/XX/2025, he told me I would receive a Form of Stipulation for Entry of Judgement in the mail. I had 10 days to complete that form, sign it, and mail it back. On XX/XX/2025 when I had not received this form in the mail I called and spoke with account representative, XXXX. She told me that form was processed on XX/XX/2025 and mailed to me. XXXX emphasized again, that I had 10 days to complete the form, sign it and mail it back. The return address would be in the envelope and paperwork I would receive. On XX/XX/2025 I called Nelson & Kennard office again due to not receiving the paperwork in the mail. This time I spoke with an account representative named XXXX and let her know I had still not received the Form of Stipulation for Entry of Judgement and it was past the deadline to return it. XXXX  then informed me it had been emailed to me and gave an email address that isn't mine at all, I never gave my email address to this company. XXXX told me that it was no worries, they would send it again. She also informed me not to worry about it being past due, just complete it and send it in once I received it. I informed XXXX that my personal information was emailed to a third party/person that I did not know and her apology would not cut it, that was my private, personal information that someone else now had! XXXX attempted to transfer me to a manager to discuss this situation, but came back and said that management was in meeting and they would call me back at their earliest convenience. I wrote a letter on XX/XX/2025 with these concerns and on XX/XX/2025 mailed a copy to Nelson & Kennard Colorado office as well as the California office via certified mail with a " sign and receipt '' return mail. In the letter I had a timeline of the conversations with the account representatives and also clearly laid out my concerns about my private, personal information being emailed to someone else that has no connections with me, nor is me. They revealed my debt and personal information to a stranger! As of today, XX/XX/2025, I have not had a reply, via mail, from Nelson & Kennard, nor a return call from management. I requested any communication between them and myself to either be by telephone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX i notified Chase Bank of unauthorized fraudulent transactions totaling {$270.00} that posted XX/XX/XXXX on my credit card ending in XXXX transactions were confirmed as a valid billing error.under regulation Z. 

On XX/XX/XXXX Chase Bank is in direct violation of Regulation Z when they rebilled me for the unauthorized transactions. I called and spoke with a fraud specialist and reconfirmed that these e-commerce transactions were unauthorized fraud regardless of the merchant having my personal information. 

On XX/XX/XXXX i recieved a letter again telling me that i am responsible for the fraudulent transactions. This is a direct violation of regulstions Z as i am being billed for transacrions i promptly reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MO

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 seven 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 non-monetary relief
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: MO

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX XXXX due to a severe leak. The damage ruined my belongingsincluding XXXX XXXX XXXX XXXXand left the home unsafe. My renters insurance issued a payout, confirming the severity of the flood. 

Despite repeated complaints, the management company refused to replace the XXXX XXXX, creating dangerous conditions. I have a severe XXXX XXXX XXXX XXXXXXXX, and I was forced to sleep on my living room couch for several months, which caused ongoing XXXX XXXX and discomfort. 

Due to the health risk and property damage, I moved out. Afterwards, I discovered that XXXX XXXX XXXX reported a {$26000.00} debt on my credit report. This debt is inaccurate, retaliatory, and unsubstantiated. 

I have submitted a formal dispute with all three credit bureaus and a debt validation request. I am requesting the CFPB investigate and that the item be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
In XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX XXXX due to a severe leak. The damage ruined my belongingsincluding XXXX XXXX XXXX XXXXand left the home unsafe. My renters insurance issued a payout, confirming the severity of the flood. 

Despite repeated complaints, the management company refused to replace the XXXX XXXX, creating dangerous conditions. I have a severe XXXX XXXX XXXX XXXXXXXX, and I was forced to sleep on my living room couch for several months, which caused ongoing XXXX XXXX and discomfort. 

Due to the health risk and property damage, I moved out. Afterwards, I discovered that XXXX XXXX XXXX reported a {$26000.00} debt on my credit report. This debt is inaccurate, retaliatory, and unsubstantiated. 

I have submitted a formal dispute with all three credit bureaus and a debt validation request. I am requesting the CFPB investigate and that the item be removed 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