vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Im writing to demand the immediate removal of an unauthorized hard inquiry that has appeared on my credit report. I did not authorize this inquiry, I never gave written or verbal consent, and there is no permissible purpose for it to be there under the Fair Credit Reporting Act ( FCRA ). 

This is a direct violation of my rights. Let me be clear : I did not initiate any application, request, or transaction that would justify this inquiry, nor was I informed about it. Whoever accessed my credit file did so without my knowledge or approval, which is completely unacceptable. 

Under the FCRA, a credit inquiry can only be made with clear, documented authorization and for a legitimate, permissible reason. This inquiry fails to meet those conditionsand therefore it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am facing a financial hardship and requesting reinstatement or payment plan arrangement after repossession. Onemain has refused to provide assistance or consider hardship despite my circumstances and repeated outreach. I wasnt offered any alternative and i am at risk of loosing my only means of transportation for me and my children. I am requesting a hardship review and delay of auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
The account I had with Affirm was only for a small loan for an appliance item that I was paying off and when paying the bill, I noticed a fraudulent charge on the account, so I immediately contacted them to report it as fraudulent. 

They reluctantly opened an investigation ( according to them ) and after only XXXX days, they emailed me to confirm I was responsible for the amount. I did not make the purchase and explained there were other charges on my card at that time which resulted in me cancelling the card, having to request a new card from my bank. 

Their website states that consumers are protected from fraudulent charges, but this is not the case, and I would like another entity to investigate why they are allowed to falsely advertise they offer protection when they did not do this in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I request that the CFPB take action to ensure Transunion complies with FCRA and remove these inquiries from my credit history profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The information violates the FCRA laws and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion P. O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unverified Late Payments Reported by XXXX XXXX Violation of XXXX U.S.C. XXXX To Whom It May Concern, I am writing to formally dispute late payment entries being reported on my Experian credit file by XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX. These late payments are listed under the following account : Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX ), XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date ( s ) of Alleged Late Payments : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX According to 15 U.S. Code 1666b, under the Truth in Lending Act ( TILA ) : A creditor shall credit a payment to the consumers account as of the date of receipt. 

I assert that my payments to XXXX XXXX were made on time and should have been credited as of the date received, as required by law. Reporting these payments as late without verifying the actual date of receipt and posting constitutes inaccurate reporting under both the TILA and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

Therefore, I am demanding that Experian : 1. Conduct a full investigation into these reported late payments. 
2. Require XXXX XXXX to provide documented proof of the exact dates my payments were received and credited. 
XXXX. Delete or correct any inaccurate or unverifiable late payments from my credit report in accordance with federal law. 

Failure to ensure the accuracy of my credit file violates the FCRAs requirement that consumer reporting agencies maintain maximum possible accuracy of the information they report. 

Please consider this letter as a formal dispute under the FCRA. I expect a full response and resolution of this matter within the 30-day timeframe required by law. 
Thank you for your prompt attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
Throughout XXXX, I pursued the removal of XXXX XXXX from my credit report as a pay-to-delete. It was sold to another company, where I paid it in full and only received the receipt of payment. The company to which it was sold for service has not responded further than the receipt of payment.

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) credit reporting agency, block 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. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a Personal Loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Cell Phone account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-01 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 non-monetary relief
Consumer complaint received 2025-07-01 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: IL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : URGENT Formal Dispute Under FCRA Section 605b - Immediate Removal of Inaccurate Eviction Information To Whom It May Concern, This is an urgent and formal demand for the immediate removal of fraudulent and inaccurate information on my credit report, as permitted under Section 605b of the Fair Credit Reporting Act ( FCRA ).

This section requires the removal of information resulting from identity theft upon receipt of valid documentation. Attached, you will find my FTC Identity Theft Report, which provides clear evidence of this fraudulent entry. 

Disputed Eviction : The following eviction listed on my credit report is fraudulent and must be removed without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Case Disposition : Court Location : Judgment Amount : {$0.00} Filed Date : XX/XX/year> WRIT OF POSSESSION MAGISTRATE COURT This eviction is the result of identity theft, and its continued presence on my credit report is unlawful. It must be permanently deleted immediately. 

This fraudulent entry is causing severe and unjust harm to my financial standing and credibility. 

Under the FCRA, you are obligated to investigate and remove this entry promptly. I am demanding that this inaccurate information be deleted within FOUR ( 4 ) DAYS of receiving this letter. Failure to comply with this request will result in an immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and legal counsel for further action. 

Supporting Documentation : To assist in your investigation and to remove any possible delay, I have included the following documents : XXXX. XXXX. XXXX. XXXX. A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a utility bill or another proof of my current address A copy of the FTC Identity Theft Report A copy of my Social Security card ( if required ) Your failure to resolve this issue within the stated timeframe of four ( 4 ) days will be considered non-compliance with federal law. I expect written confirmation of the removal of this fraudulent information by the deadline. Your response must be sent to the address provided above. Any additional requests for information or delays will not be tolerated. 

This matter is of the utmost urgency, and I trust you will address it accordingly. Do not underestimate the seriousness of this situation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several unauthorized and fraudulent credit inquiries listed on my credit report. I did not authorize these inquiries and believe they may be the result of identity theft or error. 

Please investigate and remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required under the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and remove any inquiries that are found to be unauthorized. 

I have attached a copy of my government-issued ID, FTC report and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I called and spoke with Ford Motor Credit in XXXX regarding my payment. I expressed that I was having financial difficulties due to my wife dissolving her business. My family experienced loss of income. Ford stated they would approve an extension for the month of XXXX. Instead of doing this, they instead initiated the extension for XXXX. I thought we were caught up and to my surprise they hit me with a missed payment on my credit report. I called Ford Credit and they stated they see the notes and theyre not sure why that happened because I was granted an extension. She stated she could not help me, tough luck basically. She said I had to dispute with the credit bureaus. Of course nothing has changed with the disputes. This is insane and wrong to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$4700.00}, XXXX  XXXX * * * * Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief