vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Affirm , IncXXXX, located at XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, PA XXXX, concerning their handling of a charged-off loan account and their reporting practices to credit bureaus. 

Summary of the Account in Dispute : Creditor : Affirm , Inc . 

Loan ID : XXXX Merchant : XXXX XXXX XXXX XXXX Amount : {$580.00} Charged-Off Date : XX/XX/XXXX Remaining Balance : {$160.00} Date Account Opened : XX/XX/XXXX Current Status : Charged Off Account Type : XXXX installment loan, 29.98 % XXXX Issues with Affirms Handling of the Account : Failure to Provide Pre-Charge-Off Notice Affirm charged off the account without providing proper written notice at least 30 days prior, as required under FCRA 1681s-2 ( a ) ( 7 ). I never received a mailed or formal written warning that negative credit reporting was imminent. 

Ongoing Reporting of Negative Information After Dispute I submitted a debt validation request, and Affirm responded on XX/XX/XXXX, confirming the charge-off and balance. However, the credit bureaus still do not reflect this account as disputed, which violates FDCPA 1692e ( 8 ) and established case law ( Sayles v. XXXX XXXX XXXX, XXXX Cir. XXXX ). 

Failure to Update Credit Reporting Status The account still reports as charged off with a remaining balance, yet Affirm has provided no updated breakdown or clarification of how interest or fees contribute to the outstanding amount. This raises accuracy concerns under FCRA 1681s-2 ( b ).

Unwillingness to Consider Goodwill or Settlement-Based Removal Despite my willingness to pay the remaining balance in full, Affirm has shown no flexibility in updating or removing this tradeline even though other lenders may honor such requests when customers take responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have written confirmation from XXXX ( see attached email from their own XXXX XXXX, dated after my last payment ). The representative confirmed that : The total loan amount of {$910.00} was paid in full The last payment was on XX/XX/year> for {$670.00} There is no remaining balance owed to Affirm The status should be simply paid, not paid charge-off Under the Fair Credit Reporting Act ( XXXX U.S.C. 1681e ( b ) ), the credit bureaus must ensure maximum possible accuracy. Reporting a charge-off after full payment is misleading and not accurate.

Also, under 1681s-2 ( b ), once a consumer disputes, the furnisher ( XXXX ) is required to conduct a reasonable investigation and correct or delete inaccurate information. They are failing to do so, even with their own letter admitting the balance is XXXX. 

This is a clear failure of accuracy and compliance. Its also inconsistent

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 2025-09-10 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:
In XXXX, XXXX XXXX sued me in XXXX XXXX XXXX XXXX ( Case No. XXXX ) over a repossessed vehicle. On XX/XX/XXXX, the case was dismissed without prejudice for want of prosecution because XXXX XXXX failed to pursue it. 

After the dismissal, I disputed the XXXX XXXX tradeline on my Experian report multiple times and provided the court-stamped dismissal order. Despite this, Experian refused to delete or correct the account. Instead, Experian claimed the furnisher verified it and left the tradeline reporting as open and past due, which is misleading. 

XXXX XXXX also told me that since the case was dismissed without prejudice, they still have the right to collect and report the balance. This ignores the fact that they had a legal opportunity to validate the debt in court and failed. Continuing to report the tradeline as accurate after abandoning their lawsuit is harmful and violates the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ).

I should not have been forced to chase XXXX XXXX myself Experian had a duty to conduct a reasonable reinvestigation and consider the court documentation I submitted, but they did not. As a result, I am left with ongoing inaccurate and damaging information on my credit report.

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 2025-09-10 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: CA

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 non-monetary relief
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-10 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: MD

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXX * * * * * * * * * * * * * *, Date Opened : XX/XX/year>, Balance : {$200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is a formal complaint regarding an alleged debt reported by Midland Credit Management XXXX XXXX on my Experian credit report. I dispute the validity and enforceability of this debt and demand full legal validation under XXXX U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). No written notice of this debt was ever sent to me, nor was I afforded my right to dispute or verify it within the statutory XXXX window. 

Additionally, I raise serious legal and ethical concerns about the securitization of this alleged debt. If the original creditor has sold, assigned, or transferred this debt into a pooled asset-backed security, then the underlying promissory note has been converted into a negotiable instrumentpossibly owned by a trust, investment entity, or third party. In such cases : Standing to collect becomes legally questionable, as Midland may not be the holder in due course or lawful assignee with enforceable rights.

If the debt has been charged off and securitized, then the original creditor may have already received compensation through insurance, tax write-offs, bond payments, or federal bailouts, rendering the debt paid in full or settled in accounting terms.

Continuing to demand payment without disclosing this chain of securitization and compensation could constitute deceptive practices in violation of 15 U.S.C. 1692e and 1692f.

Furthermore, Midlands act of furnishing this unvalidated and potentially non-existent or double-compensated debt to Experian may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), especially if they failed to : Notify me of the reporting, Conduct a proper investigation upon dispute, Cease collection while in default of validation obligations.

Request for Action : I am demanding : 1. Full debt validation, including : Chain of title from originator to current party, Proof of lawful assignment, Original signed contract, Disclosure of any securitization or third-party compensation.

2. Immediate removal of this account from all credit bureaus if validation can not be lawfully produced.

3. Assurance that no collection activity will continue without legal standing and full compliance with FDCPA and FCRA. 

I reserve all rights to pursue civil remedies, including statutory damages, injunctive relief, and punitive action if these violations persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I have been repeatedly called by this company for a debt owed by a family member. I informed them its not my debt and asked how the debt was associated with me. The family member is ill and not of mind and shouldnt be accruing debt in any event.

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 2025-09-10 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:
The investigation did not fix an error on my report

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received notification from US Bank that I had been approved for a checking account. I did not apply to open an account. I called to confirm the account had been opened using my information. The support agent XXXX confirmed that an account had been opened using my SSN, phone number, email address, and prior address. Then, they asked for more personal information including my current address. I asked to learn the account number and they refused to provide that information.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the XXXX  credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my dispute regarding fraudulent accounts appearing on my credit report. These accounts were not authorized by me and represent a serious breach of my financial and personal security. Their inclusion creates an inaccurate record that unfairly damages 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 2025-09-10 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: CA

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and data furnishers for reporting inaccurate and unauthorized information on my consumer credit file. These inaccuracies are causing significant harm to my creditworthiness, financial stability, and personal life. 

The following inaccurate items are being reported : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX Not mine / never resided XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Not mine / never resided Unauthorized Credit Inquiries : ODE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, nor did I seek credit from these entities. Reporting such information without my consent is a violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), which strictly prohibits unauthorized access to consumer reports.

Additionally, the reporting of wrong addresses constitutes a violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Maintaining addresses that do not belong to me is inaccurate, misleading, and damaging.

Despite my disputes with the credit bureaus, these errors remain on my report, demonstrating a failure to conduct proper reinvestigations as required under 15 U.S.C. 1681i. This negligence has caused me emotional distress, denial of credit opportunities, and reputational harm. 

Relief Requested : Immediate removal of all inaccurate addresses.

Permanent deletion of the unauthorized inquiries listed above.

Assurance that such inaccurate reporting practices will not reoccur.

A full investigation into the entities that accessed my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Been with BoA 40 years have large balances Would not let me open an account online no response no reason.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank Of America on XXXX the XXXX regarding my Credit card debt. Bank of America is the only credit card company to refuse to offer me lower interest, or a financial hardship program, even though I was in debt for over {$15000.00} and I don't even make that much in a year before paying taxes. BOFA randomly closed 2 of my credit cards out of nowhere just because I had " high balances ''. They ruined my credit and never offered ANY help. I agreed with a representative to settle my balance of XXXX for XXXX. I made the entire payment after taking a loan from my brother. I later received a refund from a merchant for the amount of XXXX dollars. Both the representative and her XXXX told me that I will not receive my XXXX dollars back.

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