vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-17 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB Complaint Narrative XXXX XXXX XXXX I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. 
Despite my prior dispute with the credit reporting agencies, XXXX XXXX XXXX has continued to report contradictory information. This violates : - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 607 ( b ) I request that the CFPB require XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment history from my credit file. I am prepared to escalate to the Michigan Attorney General if necessary. 
Supporting documents : ID, proof of address, dispute correspondence, credit reports showing changing dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB Complaint Narrative XXXX XXXX XXXX I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The delinquency on my account ( # XXXX ) has been altered multiple times : XX/XX/year>, XX/XX/year>, and then XX/XX/year>. This repeated shifting creates a false representation of my payment history. 
Despite my prior dispute with the credit reporting agencies, XXXX XXXX XXXX has continued to report contradictory information. This violates : - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 607 ( b ) I request that the CFPB require XXXX XXXX XXXX and the credit bureaus to delete the inaccurate late payment history from my credit file. I am prepared to escalate to the Michigan Attorney General if necessary. 
Supporting documents : ID, proof of address, dispute correspondence, credit reports showing changing dates.

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
QWR, DVR and demand under TILA to disclose identity of the LENDER to include as a mortgagee in my home insurance. 

I demand answer from the real human who has personal knowledge about my transaction- not AI generated runaround I received AI- generated unsigned letter from Servicer JP Morgan XXXX XXXX XXXX XXXX where JP Morgan threatened me with force placed insurance and erroneously demanded to include a faux company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as alleged mortgagee Home insurance policy only allows to protect CREDITORS interests and only Creditors who paid value for the alleged debt can be included as mortgagees. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX many times denied that XXXX is my Creditor but some servicer for never disclosed principal who never appeared. 

In SEC form XXXX XXXX XXXX insisted that XXXX does not conduct any servicing of any agency loans - because JP Morgan and XXXX XXXX do it. XXXX also told SEC that XXXX does not own any Mortgage Servicing Rights. 

Please disclose the name of the Creditor who owns my alleged obligation and on whose account receivable my money are deposited to include this Creditor as the mortgagee in my home insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
The account with Possible Financial Inc. was opened in XX/XX/XXXX with an original balance of {$750.00}. The account was later closed, but it continues to be reported on my credit file with an inflated balance of {$940.00} as of XX/XX/XXXX. 

This reporting is inaccurate and misleading. A closed account should not continue to accrue fees or interest after closure. Reporting a balance higher than the original amount constitutes furnishing false and unverifiable information, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and potentially the Fair Debt Collection Practices Act ( FDCPA ) if collection activity is involved. 

Because the company has failed to report accurate and verifiable information, I am requesting that this account be deleted entirely from my credit report with all credit bureaus. If the furnisher can not fully verify the accuracy of the account details, the only fair and lawful resolution is permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
I reviewed my Experian credit report and noticed you are reporting a derogatory account under XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX This account shows a balance of {$190.00}, marked as derogatory, and listed as a Collection/Charge-off. 

This reporting is inaccurate and inconsistent. XXXX states they report to all three major credit bureaus, however, this account does not appear on either TransUnion or Equifax. The fact that it only appears on Experian makes it unverifiable and inaccurate under the Fair Credit Reporting Act.

According to 15 U.S. Code 1681b ( 2 ) and FCRA Section 605B, it is illegal to report anything on my credit file without proper permissible purpose. Please remove this account from my Experian report immediately. Keep in mind that you are required to delete this no later than 4 days after receiving this dispute from me. 

Thank you for your prompt attention.

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 2025-08-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : [ Insert Date ] To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing multiple inaccurate, incomplete, and unverifiable accounts appearing on my Experian credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ).

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$14000.00} This tradeline are inaccurately reported due to one or more of the following issues : No proof of ownership or assignment Inconsistent and re-aged payment histories Incorrect Date of First Delinquency ( DOFD ) Continued monthly reporting as charge-off/collection after closure Reporting of late payments after the account was closed or marked paid Failure to ensure maximum possible accuracy under FCRA 1681e ( b ) I demand a full reinvestigation of each account and the complete deletion of any tradeline that can not be fully verified with supporting documentation from the original creditor. If verification can not be provided, you are required by law to remove the account from my credit file. Please complete your reinvestigation within 30 days of receipt of this letter, as required by FCRA 1681i ( a ). 

Sincerely, [ Signature ] 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 2025-08-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : [ Insert Date ] To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am formally disputing multiple inaccurate, incomplete, and unverifiable accounts appearing on my Experian credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ).

The accounts in question are as follows : XXXX XXXX XXXX XXXX {$14000.00} This tradeline are inaccurately reported due to one or more of the following issues : No proof of ownership or assignment Inconsistent and re-aged payment histories Incorrect Date of First Delinquency ( DOFD ) Continued monthly reporting as charge-off/collection after closure Reporting of late payments after the account was closed or marked paid Failure to ensure maximum possible accuracy under FCRA 1681e ( b ) I demand a full reinvestigation of each account and the complete deletion of any tradeline that can not be fully verified with supporting documentation from the original creditor. If verification can not be provided, you are required by law to remove the account from my credit file. Please complete your reinvestigation within 30 days of receipt of this letter, as required by FCRA 1681i ( a ). 

Sincerely, [ Signature ] XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing to file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent credit card account that was opened in my name without my authorization. The account was issued by Comenity Bank and has since appeared on my credit report, including a 60-day late payment notation that is negatively impacting my credit.

Despite my repeated attempts to resolve this directly with XXXX XXXX, they have refused to remove the account or acknowledge the identity theft. I have strong reason to believe this account was fraudulently opened by a family member using my personal information without my knowledge or consent.

The fraudulent activity violates my rights under the FCRA, and I am requesting that this matter be investigated promptly. I have taken the following steps already : Reported the identity theft to Comenity Bank and disputed the account.

Filed disputes with the three major credit bureaus ( XXXX XXXX and XXXX ). 
Reported the matter to the Federal Trade Commission ( FTC ) via IdentityTheft.gov and obtained an Identity Theft Report.

I am requesting that this account be removed from my credit reports and that all negative notations related to it ( including the reported late payments ) be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I obtained several Affirm loans in XXXX to make XXXX purchases. During this period, Affirm and XXXX created duplicate loans for the same orders and applied my payments to multiple accounts. This occurred when I requested a short deferment in XX/XX/XXXX, which appears to have triggered new loans or duplications of existing balances. 

Despite my bank confirming that payments were successfully processed, Affirm later charged off multiple loans as unpaid. These charge-offs were reported to credit bureaus and have significantly harmed my credit profile. 



XXXX XXXX XXXX. Duplicate Loans Created XXXX Affirm XXXX multiple loans for the same purchase ( XXXX ). 
Evidence : Loan approval emails, Affirm PDF account documents, and my bank statements. 
XXXX. Payments Misapplied / Split Affirms own response letters ( DFPI complaint response, XX/XX/XXXX ) show XXXX XXXX XXXX that match my banks proof of payment. 
Payments appear to have been applied more than once or credited to duplicate loans. 
XXXX. XXXX Charge-Offs Several loans were marked as written off even though I made timely payments. 
My records show at least XXXX payment was counted against XXXX separate loans, leaving XXXX falsely delinquent. 
XXXX. Lack of XXXX XXXX Affirm did not provide clear statements explaining duplicate loan creation. 
Their explanations to XXXX contradict my bank records and fail to reconcile duplicate balances. 
XXXX XXXX XXXX XXXX XXXX XXXX loans were reported to the credit bureaus. 
This lowered my credit scores and prevented me from qualifying for other financing. 



Supporting Documentation Affirm response letters ( DFPI complaint response ). 
Affirm loan PDFs ( Loan XXXX Aff.pdf, Lets Try That Again.pdf, etc. ). 
Bank statements showing processed XXXX payments with trace IDs. 
XXXX XXXX XXXX emails.

Company response to consumer: Closed with explanation