vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I bought a bike from XXXX XXXX, with assembly from XXXX store # XXXX. The bike was broken on assembly, and after XXXX times bringing the bike back to XXXX, it was still broken due to a manufacturer defect that they did not want to admit that the bike had. I was told several times that the bike would be fixed, and a part would be shipped, but the date of the shipment of the replacement part kept being pushed back to the point where it became clear that canyon was actually lying about having the part in the first place, and their intent to ship it. XXXX mentioned that they have a lineup of bikes from XXXX with the same manufacturer defect and they have not received any parts that are effective or any information on how to fix the bike. I paid {$140.00} for the bike to be assembled at XXXX, I paid approximately {$170.00} on the first payment for the bike, and I received the {$200.00} credit from Canyon bicycles for the terrible experience and as an incentive to purchase another bike with canyon. Despite paying all of that money for a broken bicycle, Affirm is only offering me a {$83.00} refund. This is completely unacceptable and I need to be refunded the {$510.00} that I paid for a bike that was defective in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Please review the provided information ; the inquiries were made without any notice and could be unverified.

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 2025-10-28 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/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 2025-10-28 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On the XXXX of XX/XX/year> {$5400.00} was taken from my XXXX at Truist bank and deposited into a fraudulent account with XXXX  XXXX. Then on the XXXX of XX/XX/year> {$5700.00} was taken from Truist and deposited into XXXX. I filed a complaint with Truist filled out affidavits with Truist made a police report did everything I needed to do. For XXXX  months now these XXXX banks have had me going back and forth between them. Truist is saying XXXX has to do this and XXXX is saying Truist has to do this and now it has come down to Truist just needs to send what is called a hold harmless to XXXX and they are refusing. So basically my money sits in XXXX XXXX  when all Truist has to do is send that paperwork

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 2025-10-28 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX - Balance {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$8000.00} XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4600.00} XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4600.00} XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$9500.00} XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$6900.00} XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XXXX XXXX, XXXX - Balance {$190.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting, administrative failure, and negligence in processing my Income-Driven Repayment ( IDR ) application. 

On XX/XX/year>, I completed a verbal IDR pre-qualification call with XXXX agent XXXX. She confirmed I qualified for XXXX and that my account would be placed in administrative forbearance while the paperwork was processed. On XX/XX/year>, I followed up with agent XXXX, who confirmed I appeared eligible and under review. 

XXXX failed to provide the actual IDR application link, nor did they notify me of any missing documents. Their internal notesconfirmed by XXXX XXXX on XX/XX/year> show that an administrative forbearance was applied in XXXX, yet in XX/XX/year> XXXX reported my account as XXXX days past due, damaging my XXXX XXXX by over XXXX points. 

This reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing known inaccurate data ) and XXXX XXXX. of XXXX XXXX XXXX, which require forbearance while IDR processing is pending. 

Further, XXXX later changed the month of the XXXX delinquency from XX/XX/year> to XX/XX/year> after I disputed with XXXX illegal re-aging and data tampering under FCRA 623 ( a ) ( 5 ). 

I also never received the letter XXXX XXXX claimed was mailed on XX/XX/year>, and no portal copy was provided. XXXX has continued to communicate by mail only, despite my written request to have all correspondence uploaded to my portal or sent via email for transparency. 

I request that the CFPB require XXXX to : Correct all inaccurate late payment reporting from XX/XX/year> onward. 

Restore my credit to its pre-error status. 

Provide full internal call logs, supervisor notes, and investigation results. 

Submit proof of compliance with FCRA 623 ( a ) and XXXX Servicing Standards. 
I have attached my certified Cease & Desist / Correction Demand letter sent to XXXX on XX/XX/year>, showing they were notified under FCRA 623 ( a ) ( 1 ) ( A ) and have continued furnishing inaccurate data.

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 2025-10-28 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: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurate credit reporting, administrative failure, and negligence in processing my Income-Driven Repayment ( IDR ) application. 

On XX/XX/year>, I completed a verbal IDR pre-qualification call with XXXX agent XXXX. She confirmed I qualified for XXXX and that my account would be placed in administrative forbearance while the paperwork was processed. On XX/XX/year>, I followed up with agent XXXX, who confirmed I appeared eligible and under review. 

XXXX failed to provide the actual IDR application link, nor did they notify me of any missing documents. Their internal notesconfirmed by XXXX XXXX on XX/XX/year> show that an administrative forbearance was applied in XXXX, yet in XX/XX/year> XXXX reported my account as XXXX  days past due, damaging my XXXX XXXX by over XXXX points. 

This reporting violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing known inaccurate data ) and XXXX XXXXXXXX XXXX XXXXXXXX Servicing Standards, which require forbearance while IDR processing is pending. 

Further, XXXX later changed the month of the XXXX delinquency from XX/XX/year> to XX/XX/year> after I disputed with XXXX illegal re-aging and data tampering under FCRA 623 ( a ) ( 5 ). 

I also never received the letter XXXX XXXX claimed was mailed on XX/XX/year>, and no portal copy was provided. XXXX has continued to communicate by mail only, despite my written request to have all correspondence uploaded to my portal or sent via email for transparency. 

I request that the CFPB require XXXX to : Correct all inaccurate late payment reporting from XX/XX/year> onward. 

Restore my credit to its pre-error status. 

Provide full internal call logs, supervisor notes, and investigation results. 

Submit proof of compliance with FCRA 623 ( a ) and XXXX  Servicing Standards. 
I have attached my certified Cease & Desist / Correction Demand letter sent to XXXX on XX/XX/year>, showing they were notified under FCRA 623 ( a ) ( 1 ) ( A ) and have continued furnishing inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
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 explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is a collection agency who is collecting a debt from me. They have obtained a default judgement to garnish wages from my work place for the debt I had trouble paying. 

I had asked a numerous time for a payment plan but they refused and instead wanted to garnish wage from my work. 

On XX/XX/year>, XXXX XXXX, a legal XXXX from Midland Credit Management, sent a garnish status update email to everyone at my work place. My company is a XXXX XXXX that has a payroll email that includes everyone at work. This email exposed sensitive information such as the last XXXX digits of the social security number, email, name, case numbers. 

Their actions have caused undue embarrassment and distress, not to mention exposing of sensitive personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
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 explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX A - XX/XX/year> 2025

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