vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
Subject : Final Notice FCRA 605B Violation | Failure to Block Identity Theft Accounts Date : XX/XX/2025 Dear Experian, I am providing this formal notice of your agencys noncompliance with FCRA 605B. 

On XX/XX/2025, I submitted a fully compliant identity theft dispute to Experian, including : A notarized FTC Identity Theft Report Government-issued ID Proof of residency A list of fraudulent accounts These materials were sent directly to you and also filed through the Consumer Financial Protection Bureau ( CFPB ) on the same day under complaint reference ( s ) currently still pending your response as of XX/XX/2025. 

Under FCRA 605B, Experian was legally obligated to block all identified fraudulent accounts within 4 business days of receipt. You have failed to do so. Instead, the information remains on my credit report, and no confirmation of removal has been provided. 

This constitutes a willful violation of my rights under federal law. Continued delays or stall tactics will not be tolerated.

I hereby demand : 1. Immediate removal of all fraudulent information I previously identified.

2. Written confirmation of account blocking under 605B.

3. A full cessation of reporting any item associated with identity theft.

Failure to resolve this within 5 business days will result in : A formal escalation to the FTC, State Attorney General, and CFPB Office of Enforcement Filing for damages in civil court or arbitration for willful FCRA violations

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 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Subject : Refund Request for Postponed Event - XXXX XXXX XXXX ( Transaction ID : XXXX ) Hello, I purchased tickets to the XXXX XXXX XXXX performance originally scheduled for XX/XX/scrub> 2025. The XXXX  has postponed the event, and I am unable to attend on the new date. 
When I contacted the XXXX, they informed me that since I paid using Affirm, I must request a refund through your service. 
I have attempted multiple times to submit a dispute via Affirm 's website, but the dispute form and support portal fail to load or respond. This issue persists even after switching browsers and devices. 
I am respectfully requesting that this charge be cancelled or refunded, as the event has been changed after my purchase and I can not attend the new date. 
Please let me know how to proceed and confirm that payments will be paused or removed during the review process. 
My Details : Name : XXXX XXXX  Phone : ( XXXX ) XXXX Email : XXXX Page 1 Affirm Transaction ID : XXXX Affirm Dispute Letter I can provide additional proof of the event postponement if needed. 
Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Today I tried to get a copy of my credit reports from annual credit report website. I wasn't able to get one from both Experian and XXXX. I'm just trying to see what the reults of the evidence and documents collected from the investigations that the credit reporting agencies claimed they did, but have failed to prove evidence and documents proving how they verified certain accounts.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated 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 2025-07-30 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
Complaint Summary : This complaint concerns XXXX XXXX XXXX, d/b/a XXXX XXXX XXXXXXXX, and their third-party debt collector, FABCO, for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ) and 1681i.

FABCO is reporting a tradeline to XXXX for a debt allegedly connected to a lease at XXXX at XXXX. On XX/XX/year>, and again on XX/XX/year>, I sent written requests to FABCO and their legal representatives demanding full validation of the debt, including all signed lease agreements, itemized charges and supporting documentation to include utility bills and support for any other itemized fee. No response or documentation has been provided to date other then referring me to there attorney who has only provided a list of charges with no supporting evidence after multiple requests. 

Despite their failure to validate the debt or respond to my requests, FABCO has certified to XXXX that the tradeline is accurate 3 times. This certification appears to have been done without conducting a reasonable investigation as required unXXXX XXXX XXXX XXXX XXXX XXXX XXXX  also sent a letter to XXXX  requesting a description of their reinvestigation process which was not provided.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited my income tax return into my new Navy Federal account. The amount deposited was XXXX. 

I was told the funds would be available XXXX XXXX When the funds were not available I called on XX/XX/XXXX and was told they would be available on XX/XX/XXXX. When they weren't I went in to the branch on the XXXX and was informed the funds would be available on XX/XX/XXXX due to a security hold. I was told they needed the IRS to verify the check. 



It is currently business day nine and I am still waiting on Navy Federal to have the IRS verify the check they sent me is valid.

I call them daily for updates as this extended hold has placed me in a financial hardship and I am told they are waiting on the IRS. 

From my internet/blog searches I can't locate any instance where a US Treasury check has been held for nine days waiting on the IRS to verify the check when the US Treasury has a verification system in place for banks to use when checks are deposited.

I am not being treated fairly.

Also, I don't understand why my deposit was flagged for a security hold that has extended to nine business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I submitted factual disputes to TransUnion involving accounts that contain inaccurate or unverifiable information. Despite following all proper procedures, TransUnion has not corrected or removed the disputed items. This lack of action constitutes a failure to comply with the FCRAs requirements for a reasonable dispute process.

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 2025-07-30 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-30 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I had scheduled the mortgage payment from my bank and the bank attempted delivery on XX/XX/XXXX. I was informed by my bank that the payment was returned on XX/XX/XXXX. When I made a payment on selenefinance.com my mortgage payment was shown as {$6500.00} rather than {$6400.00}. I made the payment and then demanded a reason why the payment was returned unaccepted from my bank. I have sent them an email 3 times and all I receive is a canned response from them. 
SeleneFinance is a notorious debt collector and my mortgage was unfortunately sold to the lowest common denominator in the finance and mortgage industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
There are accuracies on my credit report that was not removed or updated

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 2025-07-30 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: TX

Complaint narrative:
Its disappointing to see a late payment noted despite my strong payment history. Please review this and make any needed corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-30 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: CA

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 2025-07-30 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: IL

Complaint narrative:
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 
I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : You should also be aware that sending unsubstantiated demands for payment through the United States mail system might constitute mail fraud under Federal and State law.

You may wish to consult with a competent legal advisor before your next communication with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is also completely inaccurate. - This account is reporting incorrectly.

Company response to consumer: Closed with explanation