vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am disputing the inquiries and late payment information below because they do not match my records or may be reported inaccurately. 

INQUIRIES XXXX XXXX  XX/XX/2025 XXXX XXXX XX/XX/2025 These inquiries appear unfamiliar and may not have had a valid permissible purpose. 

LATE PAYMENT XXXX XXXX This late payment may be inaccurate or unsupported. Please verify the accuracy and reporting dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate or incomplete information appearing on my credit reports. I am requesting that each credit reporting agency conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, and ensure all disputed information is accurate, verifiable, and complete. 
If the information can not be fully verified, I request its immediate deletion from my credit report.Disputed Accounts Charged Off XXXX XXXXXXXX Account ID : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Balance : {$22.00} XXXX XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX. Account ID : XXXX Date : XX/XX/XXXX Balance : {$0.00} I dispute these accounts due to potential reporting errors and unverifiable ownership or balance data. Please reinvestigate each item and delete if it can not be fully verified. 

Disputed Inquiry XXXX XXXX Date : XX/XX/XXXX I do not recognize this inquiry and request validation or removal if not authorized. 

Disputed Late Payments XXXX XXXXXXXX Account ID : XXXX XXXX Account ID : XXXX These late payment entries appear inaccurate. Please verify against original creditor records and correct or delete if unverifiable.

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 2025-11-24 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the following information that appears on my Equifax credit report. These items are inaccurate and need to be investigated and corrected or removed. 

Charged Off Accounts XXXX, XXXX Date : XX/XX/XXXX Balance : XXXX XXXX  XXXX, XXXX Date : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : XXXX XXXX, XXXX Date XXXX XX/XX/XXXX Balance : XXXX Inquiries XXXX, XX/XX/XXXX Late Payments XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
We had never received any notification from original creditor ( XXXX XXXX ). Ive gone through all of my statements, emails and never received mail. I do have a current balance with XXXX XXXX in which I am paying. 
We were notified by someone at the door to go to court and pay all these legal fees on top of a XXXX $ and XXXX $ bill. Not to mention we had insurance at that time and had met our deductible. 
We had never received any mail from the debt collection company BC services. We have not received any phone notification from this company. I cant pay a bill if I never get it. I cant pay a debt collection company if I am never made aware of an outstanding debt.

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 2025-11-24 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: NV

Complaint narrative:
I am disputing these items due to inconsistent dates, balances, or information that may be unverifiable under the FCRA. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$6100.00} XXXXXXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXXXX/XX/XXXX {$570.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} INQUIRIES 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 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This complaint is about XXXX  reporting on XX/XX/XXXX, an Affirm account ( XXXX XXXX ) with an incorrect, unverifiable, and contradictory account status, even after being provided new information confirming that Affirm no longer owns or furnishes this account. 

On XX/XX/XXXX, Affirm sold/assigned this account to XXXX XXXX XXXX This is confirmed in the furnishers own written statement and prior CFPB response. Once a debt is sold, the original creditor can not verify, furnish, or certify the accuracy of any payment history, delinquency codes, charge-off status, or balances under XXXX XXXX XXXX and FCRA 623 ( a ).

However, XXXX completed a reinvestigation and claimed the account was Verified using Affirm as the furnisher, even though Affirm no longer owns the account and XXXX XXXX has stated they are not doing anything further with it. This makes verification legally impossible. 

XXXX is still reporting : Account charged off. {$280.00} written off. 

A delinquency sequence ( XXXX XXXX XXXX CO ) Payment histories extending after the sale Balance history inconsistent with the transfer A status that Affirm did not verify and can not legally furnish These representations conflict with the furnishers own verified data, violate FCRA 607 ( b ) ( maximum possible accuracy ), and show that XXXX XXXXeinvestigation was not reasonable under 611 ( a ) ( 1 ). 

I submitted a new dispute to XXXX  with new and relevant information on XX/XX/XXXX, notifying them that : Affirm sold the account on XX/XX/XXXX Affirm is the wrong furnisher Payment history after the sale can not be verified XXXX  is reporting an impossible status The tradeline must be verified by the current owner ( none exists ) Despite this, XXXX did not correct or delete the tradeline. XXXX maintained a status that can not be verified by any active furnisher. This violates FCRA 611 ( a ) ( 5 ) ( A ), which requires deletion when information can not be verified.

Affirm may have also violated FCRA 623 ( b ) if they responded to an ACDV as though they still owned the account, contradicting their own written CFPB admission that the account was sold. Furnishing or verifying an account after assignment is prohibited and constitutes furnishing known inaccurate information. 

Any payment history, balance status, or delinquency code dated after XX/XX/XXXX is invalid or illegal because Affirm was no longer legally permitted to furnish updates. Please reference the timeline attached. 

This complaint is being filed because XXXX reporting is false, unsupported, and legally impossible, and because the incorrect status continues to suppress my credit access. I am not alleging identity theft and I am not a third party. My identity and address have already been verified through XXXX  requests, sworn affidavits, and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
XXXX XXXX is inaccurately reporting XXXX and XXXX late payments under my name even though I am only a co-signer on the account. I was not the responsible party, did not have possession of the vehicle, and did not receive billing statements or delinquency notices. 

The primary borrower was solely responsible for making payments and maintained full possession and control of the vehicle. XXXX never notified me when payments were missed, which is required for co-signer accuracy. 

These late payments do not reflect my credit behavior. I have never been late on any vehicle that I personally own. These inaccurate late payments are now preventing me from turning in my current auto lease and obtaining another vehicle. This is materially misleading and violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

I am requesting the complete deletion of all late payments reported under my name because the information is inaccurate, misleading, and harming my creditworthiness.

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 2025-11-24 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:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am disputing the information below because it appears inaccurate or unverifiable. I am asking TransUnion to investigate and correct or delete anything that can not be proven as accurate under the FCRA. 

Charged-Off Accounts XXXX XXXXXXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments XXXX 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I tried contacting AMEX about this issue, it had been previously resolved and now the issue arose again. The interest rate rose up on our account and Im currently military. I am protected under the Service Member Relief Act and I am not being given that interest rate. I called the company and spoke to various representatives and they all were unable to answer why my accounts interest rate rose up. My current interest rate is extremely high. We just went through a government shutdown and I am struggling to keep up with the constant interest. Its over XXXX dollars of just interest that I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Chime Financial Inc
State: MI

Complaint narrative:
All of my paycheck was stolen out of my chime account by the person that stolen my phone from my job. Chime took less than XXXX hours to deny my disputes which is way too quick to thoroughly investigate a dispute. Someone stole everything from me and my kids we have no money. I have no way to work now and very lil food for my kids. Im also loosing my home because I couldn't pay my rent due to my money being taken from my account. So not only did I just loose my mother but my kids also can't have a Christmas. It's not right that my money was stolen and nothing was done about it. I uploaded a copy of the police report and also the conversation I screenshot of me and the person whom stole my phone and sold it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am filing a complaint because the credit bureau is reporting inaccurate and unverified information, and has failed to meet the legal standards required under the Fair Credit Reporting Act ( FCRA ).

I submitted disputes regarding : inaccurate tradelines an incorrect late payment incorrect address/personal information information belonging to someone else data impacted by potential internal errors or mishandling information the furnisher can not validate The bureau verified the information without providing evidence, violating : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) failure to forward dispute evidence to the furnisher 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete unverifiable information 15 U.S.C. 1681g refusal to provide method of verification The information in question is harming my creditworthiness and is not being properly validated. If the furnisher or bureau can not provide complete documentation proving accuracy, the FCRA requires deletion.

I am requesting : 1. Removal of the incorrect late payment 2. Removal of any unverifiable or inaccurate tradelines 3. Correction of all personal information errors ( addresses, names, etc. ) 4. A full reinvestigation 5. Written documentation of the method of verification 6. Deletion of any item where verification can not be proven I want confirmation once corrections or deletions are completed.

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 2025-11-24 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this statement as a consumer who is simply trying to correct inaccuracies on my credit report. I am requesting a full reinvestigation under the FCRA, along with proper verification, documentation, and Metro 2 compliance for the accounts listed below for each bureau. 

Charged-Off Accounts in Dispute XXXX XXXX Date Opened : XX/XX/2021 Balance Reported : XXXX Issue : The information being reported appears inaccurate and incomplete. I am requesting full verification, original documentation, and correction of any reporting errors. 

Late Payments in Dispute XXXX XXXX XXXX XXXX This late payment is inaccurate. I am requesting verification with complete payment records and correction of any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries reported on my TransUnion file. Several items appear duplicated, outdated, inaccurate, or inconsistent with other bureau reports. I am asking for verification under the FCRA and removal of anything that can not be fully validated. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XX/XX/XXXX {$680.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX  XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXXXXXX XX/XX/XXXX {$250.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$770.00} INQUIRIES ( TU ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX LATE PAYMENT ( TU ) 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 2025-11-24 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: TX

Complaint narrative:
I am submitting this complaint because of inaccurate and incomplete information appearing on my credit reports with XXXX XXXX and TransUnion. The items listed below are being disputed because they are either reported inaccurately, can not be verified, or should not be reported under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX XXXX XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$7000.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX XXXX Acct # : 2XXXX Date : XX/XX/XXXX Amount : {$480.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$620.00} These accounts appear to contain inaccurate reporting or unverifiable information. I request a full reinvestigation and removal if verification can not be obtained. 

Inquiries No inquiries are currently being disputed under TransUnion. 

Late Payments XXXX XXXX Acct # : XXXX Dept. of Ed / XXXX Acct # : XXXX Dept. of Ed / XXXX Acct # : XXXX XXXX Acct # : 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AR

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation