vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
Complaint Narrative : I am submitting this complaint against XXXXXXXX XXXX XXXX and the credit bureaus ( Equifax, XXXX, XXXX  ) for reporting false derogatory information on my auto loan. 

Account details : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Terms : XXXX months Current Status : Open and paid as agreed Issues : False late payments My credit file shows multiple XXXX late payments in XXXX XXXX XXXX XXXX XXXXXXXX, although this account has been current. 

Contradictory reporting Bureaus simultaneously list Current status while also inserting derogatory lates. 

Inconsistent data Dates of last activity and reporting do not match across bureaus. 

Violation of my consumer rights This false reporting is damaging my creditworthiness and constitutes unlawful conduct. 

Violated Consumer Protection Laws : FCRA 602 ( 15 U.S.C. 1681 ) Consumer reports must be fair and accurate.

FCRA 605 ( 15 U.S.C. 1681c ) Prohibits obsolete or inaccurate information.

FCRA 607 ( 15 U.S.C. 1681e ) Bureaus must maintain reasonable procedures for maximum accuracy.

FCRA 609 ( 15 U.S.C. 1681g ) Consumers are entitled to complete and accurate disclosures.

FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation of disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report information they know or should know is inaccurate.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Establish civil liability for willful and negligent violations.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representation of debts.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation before reporting derogatory tradelines.

ECOA ( 15 U.S.C. 1691 et seq. ) Protects against unfair credit practices.

GLBA ( 15 U.S.C. 6801 ) Requires protection and accuracy of consumer financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
On or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Experian and TransUnion credit bureaus, requesting that unauthorized inquiries be immediately removed and that my personal information was impacted by their DATA breaches.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report reflects a bankruptcy record that I believe to be inaccurate or unverifiable. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a thorough review of this bankruptcy entry, and if it can not be fully substantiated, I ask that it 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
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open up some credit cards and car insurance accounts. Ive never gave anyone permission or authorization to open these accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has used my personal information to open up some credit cards and car insurance accounts. Ive never gave anyone permission or authorization to open these accounts in my name

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 2025-09-05 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: PA

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 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I purchased a sofa through XXXX XXXX for {$960.00}, financed with Affirm. The product arrived incomplete, unsafe to assemble, and misrepresented. 

On XX/XX/scrub> 2025, both XXXX Customer Support and the merchant ( XXXX XXXX ) approved a full refund in writing. I was told I did not need to return the item. However, after approval, the seller attempted to retract the refund and offered only {$100.00} instead. I declined and requested enforcement of the full refund already promised. 

I submitted a dispute with Affirm, providing written evidence of the approved refund and the merchants later refusal. Despite this, Affirm closed the dispute in favor of the merchant, claiming they only manage financing and were not responsible. This ignores the FTC Holder Rule ( 16 C.F.R. 433.2 ), which makes lenders like Affirm subject to all claims and defenses a consumer could raise against a seller. 

Affirms refusal to honor the refund has left me liable for nearly {$1000.00} on a fraudulent transaction, despite written approval for a refund from both the seller and XXXX. Their handling of this dispute is deceptive, misleading, and violates federal consumer protection rules. 

I am requesting : 1. Cancellation of the Affirm loan tied to this fraudulent purchase.

2. Written confirmation that no negative credit reporting will occur.

3. Enforcement of my full refund of {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only contain information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Kikoff Lending LLC XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g To Whom It May Concern : I am formally disputing the alleged debt that you claim I owe. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Until you provide the requested documentation, you must cease all collection efforts, including reporting this debt to any credit reporting agencies. 

Please provide the following : 1.The name and address of the original creditor.

2.The original signed agreement or contract that created the alleged debt.

3.A complete account history showing how the amount claimed was calculated, including all charges, fees, payments, and credits.

4.Proof that you are legally authorized to collect this debt, including documentation showing transfer of ownership or assignment of the account.

5.Your debt collection license or registration information in the State of Florida.

Be advised that under the FDCPA, any attempt to continue collection activity without providing proper validation violates federal law. If you fail to respond with the required information, or if you report this unvalidated debt to any credit reporting agency, I will not hesitate to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

This letter is not an acknowledgment of liability, nor a promise to pay. It is a request for validation made in good faith under federal law. 

Please respond within 30 days of receiving this letter. To ensure compliance, you must : 1.Cease all direct and indirect communications with me regarding this alleged debt.

2.Cease all credit reporting activities related to this account and request removal from any consumer reporting agencies.

3.Refrain from selling, transferring, or assigning this account to any third party in an attempt to continue collection efforts.

4.Provide written confirmation within 10 days that you have ceased all collection activities, credit reporting, and will not transfer this account. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-05 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/year> I flew to XXXX to purchase real state. First I went to local branch to ask for paying option. I was shown how to do it on my phone. At closing I successfully added recipient and attempted to wire money but nothing happened. Even offered option on app. to call Bank Of America was unable. Immediately I called my husband to go to first BofA branch and wire the money. I was on phone speaker while my husband physically went to branch and him and the banker attempted to wire money. They received wire submitted but few hours later wire failed. The recipient and their account was successfully added and confirmed but BofA simply have never sent money. Which resulted in additional fees : annexing closing contract, opening account in XXXX, depositing my cash, passing money laundering screening, paying foreign currency exchange rates, Upon my return to USA I made numerous attempts to address the issue. Walking to local branch, calling XXXX, reaching out to XXXX XXXX CEO 4 times, speaking to Escalation Dpt. Most of them just ignored me and never returned calls, CEO only forwarded my emails to unfit Escalation Dpt.

One time they wanted my receipt for additional expenses and when I submitted them they just started researching from beginning and shortly after they said : research completed/account handled correctly. At least couple of Escalations Dpt. employees said they dont even see wire attempts, some said they do, some said they have to call branch employee first, We proved all prof we had : submitted screen shots from our phones, provided names of local Branch employees who physically assisted in XXXX XXXX. 
Bank of America clearly breached contract by not sending our money upon request ( from our checking acct ) to the closing table and doing nothing to research and reimburse advanced customer that has been with them for 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 monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must only contain information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/XXXX United Auto Credit Co  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Subject : Identity Theft Dispute & Demand for Deletion Account No. XXXX To Whom It May Concern : I am demanding the immediate deletion of the above-referenced account from my credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 

This alleged account is the direct result of identity theft. I have never signed any contract, application, or agreement with your company, nor have I authorized anyone to do so on my behalf. As such, any reporting of this account is false, fraudulent, and unlawful. 

Under 15 U.S.C. 1681c-2 ( a ), when a consumer notifies a credit reporting agency and furnisher of identity theft and provides proof, the information must be blocked from the consumers report within 4 business days. Enclosed you will find : 1. A copy of my government-issued ID 2. A copy of my Social Security card 3. Proof of my current address This documentation is provided as verification of my identity and residence. 

You are hereby ordered to immediately cease furnishing this fraudulent account to any consumer reporting agency. If you can not provide a signed contract with my signature establishing this alleged obligation, you are legally obligated to permanently delete this account. 

Failure to comply will be treated as a willful and negligent violation of the FCRA. I will have no choice but to pursue litigation under 15 U.S.C. 1681n and 1681o, where I will seek : Actual damages, Statutory damages, Punitive damages, and Attorneys fees and court costs. 

Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office for your unlawful reporting and refusal to correct fraudulent information. 

You are on notice : If this account is not completely removed from my credit reports within 15 days of receipt of this letter, I will move forward with legal action without further warning. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Enclosures : Copy of Government ID, Social Security Card, Proof of Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
Could you take a second look at this late entry? It may be mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and the three major credit reporting agencies ( Equifax, XXXX, and XXXX  ) for continued inaccurate, incomplete, and misleading reporting of my auto loan account, despite multiple disputes. 

This is now my third dispute, and the account remains reported incorrectly across my credit reports. 

The issues are as follows : Illogical payment history : In XXXX, the account shows current in XXXX and XXXX, then suddenly 90 days late in XXXX. It is impossible for an account to go from current to 90 days late in a single month. 
Inconsistent delinquencies : In XXXX, the account jumps from on-time to 60 days late without a prior 30 days late status. 
Greyed-out months with no data : Several months in XXXX contain no data at all, leaving the payment history incomplete and misleading. 
Incorrect repossession reporting : From XXXX  through XXXX, the account continues to report with R or as past due. Once a vehicle has been repossessed, the account should reflect a repossession/closed status, not continue to show as delinquent month after month. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit reporting agencies to maintain accurate and complete information. The repeated failure to correct these errors after multiple disputes demonstrates a lack of compliance. 

My Request I am demanding that this account be deleted in its entirety from all three credit bureaus ( Equifax, XXXX, and XXXX ) due to repeated, unresolved inaccuracies and incomplete reporting. 

I have attached screenshots of my credit reports showing these contradictions, missing data, and improper reporting after repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

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

Complaint narrative:
IM A SURVIVOR OF XXXX XXXX  AND IM HAVE BEEN GOING THRU AND THRU TO TRY TO SUBMIT THESE ITEMS TO THE CREDIT BUREAUS AND EVERY SINGLE ONE HAS GIVEN ME THE RUN AROUND. I UPLOADED MY DOCUMENTS TO TRANSUNION BUT THEY HADNT RESPOND BACK TO ME.

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