vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I just want to Follow up this complaint regarding inaccurate information reported on my credit files by both Experian and TransUnion, which has caused significant confusion and concern in evaluating my financial standing. Upon reviewing my records, I identified that my Experian report reflects the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$16000.00} and XXXX XXXX XXXX  with a balance of {$0.00}, while my TransUnion report contains the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$380.00}, and two separate XXXX  accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX both showing a balance of {$0.00}. Although some balances are correct, other reporting details do not align with the verified documentation I have maintained, including statements, payment confirmations, and correspondence. These discrepancies suggest that both bureaus are reporting incomplete or inconsistent information, which impacts my creditworthiness and may affect lending, insurance, and employment opportunities. I have reviewed the Fair Credit Reporting Act provisions, including 611 ( 15 U.S.C. 1681i ) for disputing inaccurate information with credit bureaus, 623 ( a ) ( 2 ) regarding the duty to correct and update information, 623 ( b ) outlining furnishers duty to investigate disputes, and 1666/1666a covering correction of billing errors and restrictions on creditor actions during disputes. I request that CFPB assist in ensuring that both Experian and TransUnion conduct full investigations and update my reports to accurately reflect the verified and current status of each account in accordance with these legal requirements

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have several unauthorized charges on my account that has not been resolved and Chase was supposed to look into them and call me back but never did. Very disappointed in this service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
In XX/XX/year>, I financed a service through Affirm for {$1200.00}. The service was never rendered, and the merchant appears to be non-existent. I immediately disputed the transaction with Affirm as a service not received claim. 

Affirm reviewed the dispute but did not provide any documentation or evidence supporting why they sided with the merchant. I specifically requested written proof of their investigation and decision, including the information they used to determine the dispute outcome. Despite this request, Affirm has not provided any documentation, although a call recording confirms my request and their lack of explanation. 

On XX/XX/year>, I filed a complaint with the XXXX XXXX XXXX regarding this issue. As of XX/XX/year>, Affirm continues to report the loan as valid on my credit report without justification, even though the service was never delivered. 

I am requesting correction or removal of this account from my credit report because Affirm failed to properly investigate my dispute and continues to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

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 2025-12-24 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: PA

Complaint narrative:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IS SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDITELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-24 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: DISCOVER BANK
State: FL

Complaint narrative:
I disputed a fraudulent account with discover account # XXXX Reported Balance {$7400.00} and this matter is still not resolved sufficiently. I was a victim of identity theft and I submitted an FTC identity report and Discover investigation has been insufficient and inaccurate to date. They have failed to send me the original documentation used to open this fraudulent account and they also failed to disclose the name and title and department of the individual who concluded this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I've been a member of cashapp for over XXXX and they abruptly close my account.I wrote they return their findings as violate their policies, when asked how and to show me they keep saying read there terms, I reas their terms. None of the violation apply to me! So I keep asking for why close my account, I do a lot of business with my family NOTHING illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX holds the lien on my new car. I have been trying to get a full copy of my retail agreement and underline the section that states I can not add someone to the car title since they claim I am not able to. So far I have not received an email as promised. I have also requested a copy of my XXXX and I am still waiting for that in the mail.

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 2025-12-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-24 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: GA

Complaint narrative:
Between XXXX a federal student loan account has been reported as delinquent with late payments on my consumer credit reports despite my continuous enrollment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I waXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeferment under federal law. I have attached an official XXXX XXXX letter dated XX/XX/year>, confirming my XXXX XXXX during the time the late payments and delinquency were reported. 

Despite this, the servicer reported : Late payments while I XXXX XXXX XXXX  A delinquent account status that should not legally XXXX XXXX XXXX XXXX XXXXcorrect personal information, including a misspelled name, which makes the account unverifiable. These inaccuracies were not caused by any failure on my part. I did not miss required payments because no payments were legally due during the in-school period. The reporting is therefore inaccurate, misleading, and unlawful. 

The inaccurate reporting has negatively impacted my credit profile and continues to cause harm. I have taken action by obtaining and submitting official documentation verifying my enrollment. Despite this, the account remains inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: ID Analytics, Inc.
State: NC

Complaint narrative:
ADDITIONAL XXXX, XXXX, XXXX  FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$50000.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$10000.00}, XXXX XXXX  ( XXXX ) XX/XX/XXXX, {$4800.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$3400.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$200.00}, XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$440.00}, XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$620.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$310.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$560.00} I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CBC Companies, Inc.
State: NC

Complaint narrative:
ADDITIONAL XXXXXXXX XXXX XXXX  FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$50000.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$10000.00}, XXXX XXXX  ( XXXX ) XX/XX/XXXX, {$4800.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$3400.00}, XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$200.00}, XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$440.00}, XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$620.00}, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX ; {$310.00}, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX ; {$560.00} I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding confirmed identity theft and fraudulent accounts that are currently being reported on my credit files. I have already submitted an FTC Identity Theft Report, which is legally sufficient evidence to trigger mandatory blocking and deletion of all fraudulent accounts and inquiries under FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 604 & amp ; 605B, inquiries made without authorization must be deleted immediately. Once an FTC Identity Theft Report is filed, the following laws require deletion, not investigation : Federal Law Legal Requirement FCRA 605B ( 15 USC 1681c-2 ) requires blocking of all fraudulent accounts within 4 business days. Verification is NOT permitted. FCRA 611 ( a ) Requires a reasonable investigation - not automated ; verified & responses. FCRA 623 ( b ) Furnishers must conduct a real investigation and report accurate results. FCRA 602A Consumers have the right to fair and accurate reporting. FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy. FCRA 604 ( a ) ( 2 ) Credit inquiries MUST have a permissible purpose - these did not. FCRA 1681n & amp ; 1681o Liability for negligent or willful violations of consumer rights. 18 U.S.C. 1028 Identity Theft & amp ; Assumption Deterrence Act illegal to use another person 's data. 12 U.S.C. 5531 CFPB authority to intervene and enforce compliance. Under FCRA 605B, deletion is mandatory the bureaus may NOT verify these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to formally dispute inaccurate and unverifiable information appearing on my consumer credit report. 
The following accounts are being reported with late payments, which I dispute as inaccurate : XXXX XXXX XXXX XXXX - ACCOUNT # XXXX Under FCRA 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. The late payment history reported on these accounts does not meet this standard. Furthermore, pursuant to FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information. If the furnisher can not provide competent evidence, including original payment records proving the alleged late payments, this information must be deleted or corrected. Additionally, under FCRA 609 ( a ) ( 1 ), I am requesting full disclosure of the method of verification, including : The name and address of the party that verified the late payments The specific documents relied upon to substantiate the alleged delinquencies Proof that these accounts were reported as late in compliance with federal law If XXXX XXXX XXXX XXXX is unable to produce verifiable evidence that these accounts were ever legitimately late, I request that the late payment history be permanently removed, and the accounts be updated to reflect Never Late/ Paid as Agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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