vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXXXX/XX/year>, Balance : {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
The personal information on my credit report were outdated.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 2025-08-12 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am submitting this letter under FCRA 605B to demand that you block and delete the following fraudulent accounts from my credit file within four ( 4 ) business days of receiving this notice and documentation : [ XXXX ] Account XXXX XXXX XXXX XXXX XXXX  These accounts are the result of identity theft. I did not open them, authorize them, or incur any related debts. 

Enclosed are the documents required by law to process my request : XXXX. Copy of my government-issued ID XXXX. Identity theft report Please confirm in writing when these accounts have been blocked and removed from my credit report and are no longer reported to any third parties. Failure to comply will result in immediate escalation to the FTC and CFPB for enforcement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$49000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect an alleged debt that I do not owe. 

The collector has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I requested verification of the debt in writing, but the only documentation provided did not include a signed contract or agreement showing that I entered into this obligation. 

Without a signed agreement or other admissible proof linking me to this alleged account, there is no legal basis for their claim. The collector has also not provided proof that they have the legal right to collect the debt. 

I am requesting that the CFPB investigate this matter and ensure that : XXXX. The collector ceases all collection activity until full and proper validation is provided. 
XXXX. Any credit reporting agencies to which the debt has been reported are immediately notified that the account is disputed. 
XXXX. The collector complies fully with the FDCPA and Fair Credit Reporting Act ( FCRA ). 

The continued attempt to collect and/or report this alleged debt without adequate validation is a violation of federal law, and I believe it should be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
In XX/XX/year>, I settled a closed XXXX account with a payment plan of XXXX XXXX monthly, setting up autopay through Radius Global Solutions. Payments were made consistently until the autopay was unexpectedly stopped without notice. Subsequently, a {$40.00} missed payment was reported on my credit report, which I never agreed to or was informed about. Neither XXXX nor Radius has provided proof or communication regarding this {$40.00} amount. XXXX XXXX records also do not indicate that my account was settled in XX/XX/year> with Radius Global Solutions, despite my payment arrangement. This inaccurate reporting is harming my credit. I have documents confirming my payment history and autopay setup and am requesting a correction and removal of the missed payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/year>, I settled a closed XXXX account with a payment plan of XXXX XXXX monthly, setting up autopay through XXXX XXXX XXXX. Payments were made consistently until the autopay was unexpectedly stopped without notice. Subsequently, a {$40.00} missed payment was reported on my credit report, which I never agreed to or was informed about. Neither XXXX nor XXXX has provided proof or communication regarding this {$40.00} amount. XXXX XXXX records also do not indicate that my account was settled in XX/XX/year> with XXXX XXXX XXXX, despite my payment arrangement. This inaccurate reporting is harming my credit. I have documents confirming my payment history and autopay setup and am requesting a correction and removal of the missed payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In XX/XX/year>, I settled a closed Amex account with a payment plan of XXXX XXXX  monthly, setting up autopay through XXXX XXXX XXXX. Payments were made consistently until the autopay was unexpectedly stopped without notice. Subsequently, a {$40.00} missed payment was reported on my credit report, which I never agreed to or was informed about. Neither Amex nor XXXX has provided proof or communication regarding this {$40.00} amount. American Expresss records also do not indicate that my account was settled in XX/XX/year> with XXXX XXXX XXXX, despite my payment arrangement. This inaccurate reporting is harming my credit. I have documents confirming my payment history and autopay setup and am requesting a correction and removal of the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX {$6.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} 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 2025-08-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX Balance : {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
Summary of Dispute : I dispute in full the alleged debt referenced above. On XX/XX/year>, I received an unsigned collection notice from JEFFERSON CAPITAL SYSTEMS , LLC. I have no contract with your company, and you have not provided lawful validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, I have discovered that JEFFERSON CAPITAL SYSTEMS , LLC obtained and reported information about me to consumer reporting agencies without my consent and without a permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. This is a separate violation subject to damages under 15 U.S.C. 1681n and 1681o.

FDCPA and FCRA Violations Alleged FDCPA 15 U.S.C. 1692g Failure to provide proper debt validation within 30 days of request.

FDCPA 15 U.S.C. 1692e ( 8 ) Reporting disputed debt to credit bureaus without marking it as disputed.

FCRA 15 U.S.C. 1681b Obtaining my credit file without a permissible purpose.

FCRA 15 U.S.C. 1681n & 1681o False and inaccurate reporting of a debt without proper investigation. 
Demand for Validation ( under penalty of perjury ) Within XXXX ( XXXX ) days, you must produce : Certified, notarized copy of the original contract with my wet-ink signature.

Certified, notarized copy of the purchase/assignment agreement showing the transfer of the alleged obligation to JEFFERSON CAPITAL SYSTEMS , LLC.

Complete, signed account ledger from inception to present.

Proof of your authorization to collect debts in the State of Oklahoma, including licensing and bond information. 
Cease & Desist : You are ordered to cease all communication and collection activity until you provide lawful validation of the alleged debt. Any further contact without compliance will be treated as willful violation of federal law and will be reported to the CFPB, FTC, State Attorney General, and applicable banking regulators.

Remedies Sought : Immediate deletion of the tradeline from all consumer credit reports.

Written confirmation of debt discharge or account closure. if you fail to validate the alleged debt in XXXX ( XXXX ) days and continue your fraudulent actions pertaining to this alleged {$20000.00} debt you agree to pay to me, by bank check, the amount of {$60000.00} Damages as provided by law, including but not limited to {$1000.00} statutory damages per FDCPA violation and actual/statutory/punitive damages under FCRA. 
By : XXXX XXXX, Authorized Representative XXXX XXXX XXXX in Interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 am submitting this letter to dispute inaccurate information currently appearing on my credit report with Equifax. The items in question have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my file, I found questionable and potentially incorrect remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request their immediate removal, in accordance with applicable federal and state consumer protection laws. I am also requesting confirmation that your reporting practices comply with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which outlines clear requirements for proper verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I purchased XXXX furniture from a merchant called Opulents Domain using Affirm financing ( Loan ID : XXXX ). The order totaled {$180.00}. 

The merchant initially provided one tracking number but later replaced it with a different tracking number that was tied to a small envelope weighing only XXXX ounces. The envelope contained a low-value ring, not patio furniture. This procedure is a known scam tactic where fraudulent sellers send a small package with tracking to falsely show delivery and avoid chargebacks. 

On my third dispute attempt, Affirm finally disclosed the tracking number they relied onit matched the fraudulent small-envelope shipment. The carriers delivery photo ( XXXX ) shows my driveway with no furniture present, proving the item could not have been delivered as described. The merchants website is now offline, their registration is inactive, and they are no longer reachable. 

I submitted multiple disputes to Affirm between XXXX and XX/XX/year>, providing photos of the package, the item received, the shipping label, carrier weight data, and evidence that the tracking number belongs to a company known for fake deliveries. I also asked Affirm to reverse the charge, close the loan, and confirm that no negative credit reporting would occur. 

Affirm repeatedly closed my disputes in favor of the merchant, despite the evidence. They continue to demand payment for this fraudulent charge and have threatened negative credit reporting if I do not pay.

I believe Affirm failed to conduct a reasonable investigation as required under the Fair Credit Billing Act and is attempting to enforce a fraudulent debt. I am seeking the intervention of the CFPB to reverse this fraudulent charge, close the loan, and prevent any negative credit reporting.

Company response to consumer: Closed with explanation