vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting a dispute regarding the accounts listed below. I request that these accounts be reviewed, investigated, and corrected according to the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am disputing, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$8500.00} Equifax ( EQ ) : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am submitting a formal dispute regarding the following accounts listed on my credit report. I am requesting a thorough investigation of these accounts, as they contain discrepancies that I believe need to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Date : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$100.00} Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-25 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: CA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several inaccurate entries on my credit report. Below are the accounts I am disputing, which I believe contain errors or incomplete information. I am requesting an immediate investigation into these accounts and the removal or correction of these discrepancies. 

Charged Off Accounts : XXXX XXXX  Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$250.00} Late Payments : XXXX XXXX XXXX Account No : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX Account No : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 writing to dispute several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) found in my TransUnion credit report. The accounts listed below reflect incorrect information and may be indicative of a data breach. I request that a full investigation be conducted on each of the following items. 
Disputed Accounts : XXXX. XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Status : Collection/Charge Off o Reported Balance : {$530.00} o Date Opened : XXXX o FCRA Violations : The account is misreported as " closed '' when it is " open. '' Incorrect reporting of last payment date. 
o Potential Data Breach : Inconsistent data compared to original creditor. 
XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Status : Collection o Reported Balance : {$1300.00} o Date Opened : XXXX o FCRA Violations : Reported as " open '' instead of " closed. '' o Potential Data Breach : Potential unauthorized changes to account details. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Status : Collection/Charge Off o Reported Balance : {$590.00} o Date Opened : XXXX o FCRA Violations : Incorrect late payment reporting and failure to report accurate payment history. 
o Potential Data Breach : Discrepancy with original creditor 's data. 
XXXX. XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Status : Revolving Credit o Reported Balance : {$0.00} o Date Opened : XXXX o FCRA Violations : Incorrectly marked as " charged off. '' o Potential Data Breach : Mismatched data entries. 
XXXX. XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Account Status : Installment/Auto Loan o Reported Balance : {$0.00} o Date Opened : XXXX o FCRA Violations : Incorrect reporting of loan status as " closed. '' o Potential Data Breach : Payment details do not align with records.

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 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-11-25 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts on my credit report with TransUnion. The information is incorrect, and I request that you investigate these matters to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Account Date : XXXX Balance : {$830.00} Inquiries : XXXXXXXX XXXX Account Date : XXXXXXXX XXXX XXXXXXXX Account Date : XXXX Late Payments : XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-25 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 ( 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 non-monetary relief
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I used Affirm to finance a purchase from a merchant called XXXX XXXX for XXXX pairs of shoes. The total was {$3200.00}. The order was placed on XX/XX/year> and the shipment arrived a few days later. When I opened the package, the box was completely empty. 

I immediately contacted the merchant and also filed a police report documenting that the package arrived empty. The merchant acknowledged the issue and told me they would start an insurance claim. They opened the claim, but then stopped responding and allowed the insurance claim to automatically close due to their non-response. I made multiple attempts to follow up with the merchant and received no resolution. 

I submitted disputes to Affirm, providing the police report, photos, shipping information, and proof of the merchants failure to deliver the merchandise. Despite this documentation, Affirm repeatedly denied my dispute and stated that the merchant submitted evidence, but Affirm will not provide this evidence or explain how it overrides the police report and proof of non-delivery. 

I have never received the two pairs of shoes I am being charged for. This is a billing error : merchandise not delivered. I am requesting a formal re-investigation under the Fair Credit Billing Act ( FCBA ), removal of the charges, and correction of any credit reporting related to this transaction. 

I have acted in good faith, provided all documentation promptly, and attempted to resolve the issue directly with the merchant before involving Affirm. Both the merchant and Affirm have failed to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: TX

Complaint narrative:
FIRST COLLECTION SVCS is falsely reporting on my credit. I have never had any accounts with them. Per my research FIRST COLLECTION SVCS 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
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MO

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-25 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:
Dear Sir/Madam, I am filing a dispute regarding several inaccurate entries on my credit report. Below are the accounts I am disputing, which I believe contain errors or incomplete information. I am requesting an immediate investigation into these accounts and the removal or correction of these discrepancies. 

Charged Off Accounts : XXXX XXXX Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$410.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account No : XXXX XXXX  Account No : 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 non-monetary relief
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
I am writing to submit my dispute regarding certain items on my credit reports. Below are the accounts that are currently in dispute, categorized by each credit bureau. I am requesting that the inaccuracies be thoroughly investigated and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXXXXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX, Account No : XXXXXXXX XXXX, Account No : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 writing to formally dispute certain inaccuracies on my credit report, as detailed below. I believe these items are incorrect, incomplete, and may involve potential violations of the Fair Credit Reporting Act ( FCRA ). I request that these items be thoroughly investigated and corrected. 

CHARGED OFF Accounts XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$41000.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$8100.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$930.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2200.00} LATE PAYMENTS XXXXXXXX XXXX  Account Number : 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 2025-11-25 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-25 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding Bank XXXX XXXX handling of a check deposit into my Small Business Checking account. For the past 12 days, I have attempted to deposit a check in the amount of {$2600.00}, dated XX/XX/XXXX, check number XXXX, issued by XXXX XXXX XXXX XXXX to my business, XXXX XXXX XXXX. I attempted to deposit this check through every available method : ATM, teller, and mobile deposit. Each method produced the same resulta XXXX day hold due to funds verification. 

This situation is unfair and has caused significant financial hardship for the following reasons : I urgently need access to these funds to pay my rent for my office space. The payment is already XXXX days late, and the bank has not provided any option or solution to access the funds despite knowing the urgency of the situation. 

I have previously deposited multiple checks from this same vendor ( XXXX XXXX XXXX XXXX ). None were returned, and all were successfully processed without extended holds. Given this established deposit history, there is no reasonable justification for an unusually long hold on this check. 

Bank of America has stated that nothing can be done to expedite the hold. However, I am aware that banks can request and approve early release of funds when the risk is low, especially with a verified deposit history from the same payer. A XXXX day verification period is excessive and not reflective of standard processing times. 

As a result, Bank of America is withholding access to my money unnecessarily. This has directly impacted my ability to meet essential business obligations. I am requesting CFPB assistance to resolve this issue and to ensure Bank of America releases the funds without further delay.

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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX l have a loan for Home improvement ( XXXX panels system ) for {$11000.00} from XXXX representing now by Regions Loan. I have XXXX year with XXXX % interest if l don't pay the full amount on XXXX year, after that my interest will be XXXX %. On XX/XX/XXXX l send a check of {$10000.00} to Regions Loan. I expect my balance of the principal will be {$1900.00} l see it {$3400.00} they already charged interest on top of my {$10000.00} even l didn't have a year yet. On XX/XX/XXXX l received a statement to pay {$260.00} that the amount l already know l should pay if l don't pay the loan before XX/XX/XXXX. Because l pay {$10000.00} they are not able to tell how much principal and interest my monthly payments are divided to. I file this complaint to let you know that situation and help me resolve this issue.

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