vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payments that continue to appear on my credit report. This is the second time I have disputed these errors with all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

Despite my prior dispute and submission of supporting documentation, the late payment entries remain on my file. These entries are incorrect, unverifiable, and negatively impacting my credit standing.

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 2025-11-28 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: WA

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

1681c2 ) that you, the TransUnion 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  Date : XX/XX/year> XXXX Date : XX/XX/year>

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 2025-11-28 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: FL

Complaint narrative:
I suspect these inquiries were made without my permission and may be linked to fraudulent activity. I am requesting your urgent attention and have attached documents to assist your review.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Company : Affirm Product : Installment Loan / Buy Now Pay Later Issue : Fraudulent charges/ Billing dispute Narrative : I am filing a complaint regarding a fraudulent loan created through Affirm for a purchase from XXXXXXXX XXXX ( Loan ID : XXXX ). I did not receive any goods or services related to this transaction.

Affirm is requiring me to pay for a loan on merchandise that was never delivered, and the merchant appears to be illegitimate or operating as a scam.

I initiated a dispute with Affirm and clearly stated that I did not receive the item, and that the merchant could not provide any proof of delivery. Affirm closed the investigation by stating that the activity was associated with my account without addressing the key issue : no product was ever delivered, and no proof of delivery exists.

Affirm did not provide : Tracking number Proof of shipment Proof of delivery Delivery address Any documentation from the merchant Any evidence that the transaction was legitimate The merchant can not be contacted and has not provided any merchandise. I have no product, no tracking, and no confirmation of shipment. Affirm is still holding me financially responsible.

I am preparing a police report for this fraudulent transaction and have asked Affirm to open a second investigation. They continue to insist that I am responsible for payments, and they warn that my credit may be negatively impacted.

This is unfair and unreasonable.

Affirm is attempting to collect payment on a loan tied to merchandise that does not exist and was never delivered.

I am requesting CFPB assistance to ensure that : 1. Affirm opens a fair and complete reinvestigation.

2. Affirm provides proof of delivery or cancels the loan.

3. My credit is not negatively affected for refusing to pay for goods I never received.

4. The merchant XXXX XXXX is reviewed for fraudulent activity. 

I

am willing to provide screenshots, correspondence, and any documentation necessary, including the forthcoming police report. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WI

Complaint narrative:
The inquiries identified are not familiar to me and appear to be unauthorized. I request an immediate review and resolution. Supporting documents accompany this notice.

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 2025-11-28 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: NC

Complaint narrative:
The week of XX/XX/year> I received an email from XXXX that I purchased and XXXX laptop and I didnt make this purchase. The laptop was delivered to my house and we have filed a police report as we did not make this purchase and our bank is stating that since it was our account and sent to our address we are responsible for it Our bank is chase bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have reached out attempting to verify how this 3rd party had this information attempting to settle a debt I am unaware of I asked for validation over a month ago asking for clarity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I am contesting this account because I never entered into any contract with this company and I never allowed my personal information to be transferred, purchased, or handled by this business. At no point did I sign any document that gives this company permission to collect, store, share, or use my sensitive data. I also reviewed all of my agreements and none of them mention this company by name. There is no authorization from me for any involvement by this company. 

This company claims to be collecting a debt, yet it has produced no record that shows I approved any relationship with them. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a company must be able to prove it has a lawful right to possess a consumers identifying information and show that the consumer knowingly agreed to allow the transfer of that information. They have not done so. 

I am requesting verification that this company has the legal right to my information and confirmation that I personally approved their access. I am not asking for a breakdown of the alleged balance. I am asking for proof that I ever agreed to let this company handle anything connected to my identity. Under 15 USC 1681e and 15 USC 1681b, a company must have a permissible purpose before it touches or reports any consumer data. Under 15 USC 1692g, a collector must provide evidence that it is the rightful party and that the consumer created a relationship with them. None of this has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have been a Paypal customer since XXXX. I purchased items from XXXX, XXXX  XXXX XXXX XX/XX/XXXX. I scheduled payments for six month beginning XXXX using the six months payment no interest plan. These payments were scheduled thru my personal bank. The payment were paid each month around the XXXX. XX/XX/XXXX I rec 'd emails from Paypal stating payments were not made. I called but could not get an answer. I finally submitted a written dispute and included a bank statement verifying that funds were paid on XX/XX/XXXX. I became concerned about the automatic payments and logged into Paypal to stop the recurring payments. There were no options to manage the payments. The same problem happened again for XX/XX/XXXX. I called Paypal and was told they could not see any recurring payments scheduled. The payments were supposed to stop because the sixth month was up. My account for XX/XX/XXXX showed a XXXX balance. However, payments continue to come out for XXXX and XX/XX/XXXX. I submitted a written dispute with copies of consolidated bank statements showing payments to Paypal. I received a copy of a form from them requesting that I complete form and submit verification of payment which I did. I then received an email that I had a balance of a {$100.00}. I immediately called Paypal to advise I did not make a purchase. I was placed on hold for over an hour ; the customer service rep stated that a payment was not made in XXXX so this is showing for XXXX. I contested advising I had proof that payment was made. This rep transferred me to another rep who stated payment was not rec 'd for XX/XX/XXXX. Then the rep stated this is not a Paypal problem but a Synchrony problem. I was transferred again. I submitted another written dispute with copies of my bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have since submitted these statements three times. I received a check for {$100.00} from Paypal on or about XX/XX/XXXX. I cashed check. Now my account is showing a balance of {$100.00} ; I am being charged late fees and this is impacting my credit score. My balance with Paypal is 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 2025-11-28 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: MI

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-11-28 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: GA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXXXXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting.

In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Accounts & Request for Investigation To Whom It May Concern, I am writing to dispute the following account ( s ) that are appearing on my TransUnion credit report. 
These accounts are not mine, and I am requesting that TransUnion block, delete, or correct them immediately. 
Accounts to Dispute : Creditor/Company Name : XXXX XXXX Account Number : XXXX Creditor/Company Name : XXXX Account Number : XXXX Creditor/Company Name : XXXX  Account Number : XXXX Creditor/Company Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Company XXXX XXXX XXXX Account Number : XXXX I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and that these accounts be removed from my credit file. I also request that you block any fraudulent information within 4 business days as permitted when a consumer asserts identity theft or unauthorized accounts. 
Enclosed are copies of documents supporting my dispute : Government-issued ID Proof of address Any fraud reports or supporting documents Please send me written confirmation once the investigation is complete and the accounts are removed or corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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 2025-11-28 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: CA

Complaint narrative:
I am writing to dispute certain items on my credit report under the Fair Credit Reporting Act ( FCRA ) and request that the following accounts be investigated and corrected. The details are separated by bureau as follows : Charged Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} Late Payment : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX 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 2025-11-28 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: CA

Complaint narrative:
These accounts are not mine ; please clear them within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) failed to provide legally required validation under FDCPA 809 ( b ) and continues to furnish inaccurate and incomplete information to XXXX XXXX, and TransUnion in violation of FCRA 623 ( a ). 

XXXX provided only ( 1 ) a generic now owns letter from XXXX XXXX and ( 2 ) a statement of the balance. They did NOT provide : itemized accounting, full chain of title, proof of ownership tied to my account, original signed agreement, transaction history, documentation supporting the reported balance. 

This is NOT legally sufficient validation. 
The validation package XXXX sent me is attached. 
( From pages 14 of their response. ) Further Violations : Re-aging ( illegal ) XXXX is reporting late payments after XXXX XXXX charged off the account. 

Missing DOFD None of the bureaus report the correct DOFD from XXXX  XXXX ( FCRA 623 ( a ) ( 5 ) ). 

Conflicting statuses Reported as Collection, Charge-Off, and Open. 

Time-barred debt misuse XXXX admits the debt is beyond the statute of limitations but continues to report in a misleading manner. 

Inconsistent reporting across bureaus XXXX claims they verified but provided no documentation. 

XXXX, TransUnion, and XXXX  Violations ( FCRA 611 ( a ) ) : All 3 bureaus failed to conduct a reasonable reinvestigation : TransUnion simply marked the account as Active Dispute and closed the investigation. 

XXXX  claimed verified and changed one field but did not address the inaccuracies. 

XXXX  failed to correct DOFD or re-aging and kept contradictory statuses.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Someone used my social to apply for so many different loans, furniture, etc and it's affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Someone used my social to apply for so many different loans, furniture, etc and it's affecting 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
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Someone used my social to apply for so many different loans, furniture, etc and it's affecting 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