vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: CT

Complaint narrative:
I am formally disputing the accuracy of the information reported on my credit file regarding an account from XXXX XXXX, placed with XXXXXXXX XXXX XXXX XXXX XXXX. 

I canceled my internet service with XXXX in XX/XX/year> due to relocating to a new address. Despite my cancellation request, XXXX failed to properly close the account and later sent it to collections. I was forced to pay {$110.00} to the collection agency even though the charges were the result of XXXX error in not canceling services as requested. 

This account should not have been reported as delinquent or sent to collections, as I had fulfilled my obligation to cancel service. The reporting of this collection account is inaccurate, unfair, and damaging to my credit profile.

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 2025-08-27 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:
I am submitting a formal complaint against Affirm for improper handling of multiple dispute cases regarding merchandise I never received, unresponsive and possibly fraudulent vendors, and misrepresented billing charges. 

I placed an order through ipanemausawebsite.com on XX/XX/year>. The item was never delivered. My checking account was charged {$80.00} by XXXX while Affirm created a loan for {$80.00} under XXXX XXXX XXXX XXXX, which was not the merchant I transacted with. 

I submitted XXXX separate disputes with Affirm ( Case IDs : # XXXX, # XXXX, # XXXX, and # XXXX ), attaching the order confirmation, proof of vendor unresponsiveness, and the discrepancy between vendor names. In one case, Affirm provided a tracking number that only shows delivery to a ZIP code ( not my name or address ), and originated from XXXX despite the store being branded as a XXXX company. 

Affirm repeatedly ruled against me, saying there was insufficient evidence, but provided no actual proof of delivery. Their customer support has refused to supply any merchant contact, address, or confirmation of actual fulfillment. 

I have asked Affirm to cancel this loan and remove any credit reporting risk. I have also mailed a formal certified dispute letter. I am now requesting the CFPBs intervention before this affects my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: GA

Complaint narrative:
After reviewing my credit reports, I've noticed that I've been the victim of identity theft. I noticed that I have a credit card from KIKOFF LENDING LLC on my credit report that I didn't apply for. I did not authorize this account. It was opened XX/XX/year>. It states that I owe {$240.00}. 
I ALSO FILED AN IDENTITY THEFT REPORT with the FEDERAL TRADE COMMISSION ( attached ). THESE ACCOUNTS SHOULD BE REMOVED FROM MY REPORTS BECAUSE : XXXX. Fraudulent accounts should not be reported on reports KIKOFF LENDING LLC is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( KIKOFF LENDING LLC ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Kikoff Lending LLC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX  ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

KIKOFF LENDING LLC is in violation of the following : 15 U.S.C. 1681i ( a ) FCRA 602 ( A ) Ensures the accuracy and fairness of credit reporting. Failure to maintain accuracy is a violation of federal law. FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information known or believed to be inaccurate. FCRA 611 ( 15 U.S.C. 1681i ) Requires deletion if information is unverifiable within 30 days. FDCPA 807 Prohibits false, deceptive, or misleading representations, including collection of debts not legally owed. UCC 3-401 & 3-403 No party may enforce a contract or instrument without a valid, authorized signature. Any account lacking my wet ink signature is legally null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I settled the account however it is still showing up on my credit report as owing. I disputed it XXXX  with the credit bureau and the status also came back as owing and the derogatory remarks remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing in regard to the debt your company claims I owe in connection with an old rental property. I am formally disputing this debt under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). 

Please be advised of the following : XXXX. I dispute the validity and amount of this alleged debt. 
XXXX. I request that you provide full validation of the debt, including : A copy of the original lease or rental agreement, XXXX itemized statement of alleged charges, XXXX that your company has the legal right to collect on this account. 
XXXX. Until you provide proper validation, you must cease all collection activity and must not report, or must remove, this account from any consumer credit reporting agencies. 

If you are unable to validate this debt, you are required to delete it from my credit file and confirm in writing that no further collection efforts will be made. 

Failure to comply will be considered a violation of my rights under federal law, and I will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

I request a response within XXXX  days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Account Request for Removal To Whom It XXXX Concern, I am writing to formally dispute and request the removal of inaccurate information that appears on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The account in question is being reported as follows : Creditor Name : XXXX XXXX University Account Number : XXXXXXXX XXXX Balance : {$2600.00} Status : Collection/Charge-Off Last Reported : XX/XX/year> This account is being reported inaccurately for the following reasons : XXXX. The account details are incomplete and inconsistent with my records. 
XXXX. The reported status as Collection/Charge-Off is incorrect and unverifiable. 
XXXX. The balance and creditor remarks provided do not accurately reflect my account history. 

Because this account can not be verified as accurate, complete, and fully documented, I am requesting that Experian immediately delete this entry from my credit report. 

In accordance with the FCRA, please complete an investigation within XXXX  days of receipt of this letter and provide me with written confirmation of the results. 

For verification purposes, I have enclosed the following : A copy of my government-issued photo ID A copy of a recent utility bill or bank statement with my current address Thank you for your prompt 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 2025-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX  ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-27 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) 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 XXXX 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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section XXXX of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports XXXX XXXX Code XXXX, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency XXXX furnish a consumer report under those circumstances and no other. 

As such, under XXXX XXXX Code XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) 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. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : IDENTITY THEFT 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 2025-08-27 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-08-27 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: NY

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, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX 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 2025-08-27 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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:
On XX/XX/year> I sent my FTC report and my license to Experian. I have fraudulent accounts reporting on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX  ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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