vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in compliance with XXXX U.S.C. XXXX within XXXX business days, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, SSN, proof of address ). Send me written confirmation that the fraudulent item has been removed and blocked from my credit report. Issue a corrected and updated copy of my credit report reflecting these deletions. Failure to take these actions would be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), and I will pursue further legal remedies as necessary.

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 2025-07-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-16 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: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported on my credit file concerning alleged debt ( XXXX ) listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *, which appears on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), data furnishers are legally obligated to report only accurate and verifiable information to consumer reporting agencies. Any failure to do so constitutes a direct violation of federal law.

The reporting of the referenced account ( s ) is inaccurate, incomplete, and misleading for the following reasons : The debt in question has been canceled or otherwise discharged. According to IRS Publication 4681, any canceled debt must be treated as gross income and reported accordinglyeven if Form 1099-C was not issued. This implies a final resolution and termination of any claim to collection, thereby rendering continued reporting of the debt as " owed '' false and misleading.

The failure to update the credit report to reflect the cancellation of debt constitutes continued publication of incorrect financial data, which is a violation of your duty under 15 U.S.C. 1681s-2 ( b ) to investigate and correct disputed information upon notice. 
Your actions have caused material harm to my livelihood, financial stability, and personal reputation. Due to your failure to properly report or correct this information, I have been subjected to credit denials, higher interest rates, and reputational damage. 
DEMAND FOR ACTION In light of the foregoing, I demand the following actions be taken within 30 calendar days from receipt of this letter : 1. Immediate investigation and correction of the inaccurate information pursuant to your obligations under 15 U.S.C. 1681i and 1681s-2.

2. Full deletion of the derogatory tradeline or update to reflect the debt as canceled/discharged.

3. Written confirmation of your findings and corrective action.

4. A copy of any documentation used to verify the validity and current legal status of the debt. 
Please be advised that failure to comply with your statutory duties may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's Office, and may result in civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

This letter is being sent without waiver of any rights, claims, or remedies, and is sent without prejudice and with full reservation of rights under the Uniform Commercial Code and applicable federal and state laws. 
Sincerely, 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 2025-07-16 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

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 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 2025-07-16 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: CA

Complaint narrative:
in accordance with the fair creait Reporting act : XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Im following a complaint because my creditor is reporting late payments on my account XXXX, That are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnitures but the late payments remains without proper documentation or validation. Under 15 USC. 1681. S2. Furnitures must report accurate information. 
Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to report the negative reporting. I demand that if these accounts are lacking proof of being late please update my payment to PAANL status ( paid as agreed never late ). thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-16 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: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX, I paid Affirm a total of {$1900.00} toward a XXXX purchase that was later canceled. Affirm claimed the full amount was refunded including {$470.00} via paper check and * {$1400.00} to my XXXX account ending in XXXX. 
However, XXXX has provided a formal written statement confirming : The account was closed on XX/XX/XXXX No funds were received, posted, or redirected to any account in my name after XX/XX/XXXX Any attempted refund would have been automatically rejected and returned to the sender due to the closure Affirm themselves acknowledged on XX/XX/XXXX, via a representative named XXXX, that the {$470.00} refund failed for this exact reason and was therefore reissued by paper check. That alone proves that Affirm was aware the account could not receive funds yet they continue to claim the remaining {$1400.00} was delivered successfully to the same closed account, with no bank confirmation or delivery evidence provided. 
Over the course of 8 months, I have : Provided written documentation and bank letters from XXXX Participated in multiple calls, including several XXXX calls where XXXX faxed confirmations directly to Affirm Repeatedly requested proof of refund delivery beyond ARNs ( which only show initiation, not receipt ) Received contradictory statements from different Affirm agents Despite full cooperation and no wrongdoing on my part, Affirm has now retaliated by closing my account citing vague Terms of Service violations without referencing a single clause or any misconduct. I have never missed a payment, defaulted, or misused the platform. 

This complaint highlights the following unresolved issues : {$1400.00} refund never received Failure to provide proof of successful delivery Contradiction between Affirms internal messaging and XXXX formal bank statement Retaliatory account closure with no valid grounds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: CO

Complaint narrative:
I am filing a complaint against MoneyLion for failing to fully refund fraudulent charges made on my account despite clear proof that the account was compromised. 

I had not used my MoneyLion account since XX/XX/year>. On XX/XX/year>, I contacted them because I was unable to log in or receive reset emails. I discovered that a hacker had changed both my email address and phone number. I spoke to a representative on XX/XX/XXXX, and we confirmed that my account had been compromised. It took several additional days to regain access. 

Once I reviewed my transaction history, I saw multiple unauthorized charges from XXXX through XXXX. MoneyLion refunded some charges from XXXX, acknowledging the fraud but denied XXXX transactions from XX/XX/year> totaling {$500.00}, which took place in XXXX and XXXX XXXX, Florida ( I live in Colorado and was not there ). These included purchases at XXXX and XXXX XXXX 

I made it clear that I had no access to the account during this period, and that the email and phone number associated with the account had been hijacked. Despite this, MoneyLion denied my fraud dispute and gave no justification or evidence that I authorized the charges. 

This appears to be a violation of Regulation XXXX ( XXXX CFR XXXX ), which requires banks to reimburse consumers for unauthorized electronic fund transfers unless they can prove the consumer authorized the transactions. They also failed to issue provisional credit or provide a written explanation of their findings. 

I am requesting the CFPBs help in reopening the case, recovering my funds, and investigating whether MoneyLion is systematically mishandling fraud claims especially in cases of clear account takeovers. 

What would you like the company to do to resolve your issue? 

I want XXXXoneyLion to reopen my fraud dispute, refund the {$500.00} in unauthorized charges, and comply with Regulation XXXX procedures for investigating and resolving fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-07-16 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 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: AZ

Complaint narrative:
I am submitting this complaint regarding XXXX continued reporting of an unvalidated debt account ( # XXXX ) allegedly owned by Midland Credit Management , Inc. ( MCM ). Despite my written debt validation request, MCM failed to provide proper legal documentation required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They sent only basic billing statements and a generic transaction history not a signed contract, original terms, or itemized breakdown of charges. This does not constitute legal validation. 

I also submitted a dispute to XXXX directly, yet they verified the account based on MCMs inadequate documentation and continued reporting the derogatory tradeline. This constitutes negligent and potentially willful noncompliance with the FCRA under XXXX XXXX XXXX XXXX and XXXX ( b ), as Experian failed to perform a reasonable investigation or request full validation from the furnisher. 

In contrast, XXXX conducted their own review and removed the account entirely. I am uploading screenshots of that deletion as proof. Additionally, XXXX has failed to respond at all to my dispute within the required XXXX timeframe, violating XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). 

Midland also acknowledged in writing that this debt was acquired from XXXX XXXX on or around XX/XX/XXXX, and I am including XXXX XXXX official letter confirming the charge-off and transfer. Yet no chain of custody or proof of assignment was included in MCMs response just recycled statements lacking legal weight. 

Documentation Provided : XXXX. Letter from Midland Credit ( dated XX/XX/XXXX ) generic validation response XXXX. Screenshots of my Midland dispute and lack of substantial reply XXXX. Screenshot of XXXX deleting the account XXXX. XXXX XXXXXXXX letter confirming account was charged-off and sold to Midland

Company response to consumer: Closed with explanation