vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
This communication serves as a formal and final demand for the immediate deletion of the grossly inaccurate and unverified collection account reported under the name ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Be advised that this complaint is a precursor to civil litigation and regulatory action. Your continued willful reporting of this false information constitutes a blatant violation of federal law and will not be tolerated. 

You have failed to provide any valid validation of this alleged debt. Specifically, you have been unable to produce a wet-ink, legally binding contract signed by me, a complete itemized statement of the account, or a clear chain of custody demonstrating your legal right to collect. Your continued reporting of this unverified account violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires you to cease collection activities until validation is provided. 

Furthermore, your willful and repeated failure to conduct a reasonable investigation into this dispute, despite receiving notice that the account is inaccurate and unverified, constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). Your actions demonstrate an egregious disregard for consumer protection laws.

Your practice of reporting unverified information to a federal agencythe Consumer Financial Protection Bureauand to credit reporting agencies constitutes deliberate misrepresentation and fraud. This conduct is criminal in nature and violates federal statutes, including 18 U.S.C. 1001 ( false statements to federal agencies ), and 18 U.S.C. 1341 and 1343 ( mail and wire fraud ). Be aware that these violations will be reported to the appropriate authorities, including the Federal Bureau of Investigation ( FBI ). 

I demand that you cease and desist all reporting of this false account immediately. This is not a request for a " dispute '' remark or " suppression. '' I demand complete and permanent DELETION of this collection account from all three major credit reporting agencies : Equifax, Experian, and TransUnion. Any action short of full deletion will be considered a continuation of your fraudulent activity. 

This is your final opportunity to resolve this matter. Take immediate action to delete this account from all my credit reports. Failure to comply within ten ( 10 ) business days will trigger immediate legal escalation, including the filing of a civil lawsuit for statutory and punitive damages, submission of a formal bar complaint, and comprehensive referrals to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other state and federal law enforcement agencies for investigation of criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am an Affirm customer with multiple accounts, most of which have perfect payment history. On one of my loans ( Loan ID XXXX ), Affirm is reporting a XXXX late in XXXX. This is factually incorrect. 

As the attached Affirm payment history shows, I made payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. A 90-day late requires no payment for over XXXX  days, which is not the case here. 

Despite this, my credit report with XXXX  shows consecutive XXXX, XXXX, and XXXX late marks ( XXXX XXXX  ). This is inaccurate reporting and violates the Fair Credit Reporting Act. 

This incorrect information is causing me extreme harm : I am in the process of securing a mortgage to purchase my childhood home, which is currently for sale. The false XXXX late is preventing me from qualifying, and time is extremely sensitive. 

I am requesting that Affirm correct or delete these inaccurate late marks immediately. Even if corrected to a single XXXX late ( which would be accurate based on my payments ), this would allow me to move forward with my mortgage. 

I am grateful for your urgent assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity of identity theft and i want these accounts removed as result of that.

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 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity of identity theft and i want these accounts removed as result of that.

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 2025-08-29 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: GA

Complaint narrative:
I am a victim of identity of identity theft and i want these accounts removed as result of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving psychological manipulation and coercion at an ATM in XXXX, Arizona. The scammers forced me to withdraw {$1100.00} from my Bank of America account and deposit it. They also manipulated me into making a {$150.00} transfer through XXXX the same day. 

I immediately reported the incident to the police and obtained an official police report. I also filed two fraud claims with Bank of America, providing my explanation of the scam and the police report. 

Bank of America denied my claims, stating that I authorized the transactions. However, the transactions were made under coercion and psychological manipulation, which means there was no valid consent. In total, I lost {$1200.00}.

I request that the CFPB investigate Bank of Americas mishandling of my fraud claims and require reimbursement of my stolen funds.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion reporting incorrect credit scores to Discount tires. I have a XXXX credit score not a XXXX credit. I requested TransUnion to update my credit score. This caused me not to get the XXXX XXXX  credit card

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 2025-08-29 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.

Complaint narrative:
I discovered incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have no liability to debt with XXXX XXXX XXXX I did not sign any contract with credence resources management I demand that they be removed off of my credit report immediately.

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 2025-08-29 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: MI

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my knowledge or permission to open accounts and or make inquiries in my name. I did not authorize these actions, and i am not responsible for the debts or activity connected to them.

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 2025-08-29 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: MI

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my knowledge or permission to open accounts and or make inquiries in my name. I did not authorize these actions, and i am not responsible for the debts or activity connected to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management has been repeatedly contacting me regarding an alleged debt that I do not believe is valid. I have requested in writing that they cease all communication with me, but they continue to contact me. These unwanted calls and letters are causing stress and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am attaching a copy of my cease and desist letter for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
XXXX XXXX the amount was XXXX the account was written off so they cant put on my credit report thats its late on payment in the recent year XXXX XXXX the amount was also written off so they cant put on my credit report thats its late on the payment in the recent year XXXX XXXX the amount is XXXX but that not even my account XXXX XXXX amount is XXXX but that was paid way before I close it XX/XX/year> amount is XXXX thats not my credit card I dispute them again because they have it on my credit file wrong according to FCRA ( a ) 1 ( a ) and ucc 9-611 and ucc 9-613 and FCRA 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit file contains false personal identifiers that I never supplied or authorized. Specifically, the bureaus are reporting an incorrect date of birth of XX/XX/year> and an incorrect address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at this address, and I never provided this date of birth. These false identifiers are creating identity confusion, mixed-file contamination, and the risk of being associated with accounts that do not belong to me. 

Equifax, Experian, and TransUnion have all reported variations of these same false identifiers, which proves the information is inconsistent and unreliable. Despite my repeated disputes, the bureaus continue to publish this incorrect personal information and have failed to delete it. 

This conduct violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of consumer files. Reporting a false date of birth and a false address is not only inaccurate but reckless, especially because I am a documented victim of the Equifax and XXXX XXXX XXXX XXXX. Allowing incorrect personal identifiers to remain in my file after breaches of this scale increases my risk of fraud, file contamination, and the wrongful reporting of unauthorized accounts. 

The bureaus refusal to remove this false personal information demonstrates a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) and shows disregard for my consumer rights.

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 2025-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a fraudulent hard inquiry on my Experian report for a XXXX XXXX XXXX card dated XX/XX/year>. I suspect my information got out as the result of a data breach. 

Experian told me to file this report first, then to call XXXX, and then they will dispute the hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 believe a late payment has been incorrectly reported on my account. Please review this urgently in light of my timely payment history.

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 2025-08-29 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), 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