vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: SC

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 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 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I had a XXXX month gym membership with XXXX XXXX that ended XX/XX/year>. I moved to XXXX in XX/XX/year> and called to cancel but was told I had to do it in person even though I lived XXXX hours away. I continued paying through my contract end date. Despite that, XXXX XXXX XXXX and Aldous Associates reported a XXXX dollar balance that I do not owe. I asked for proof of debt and cancellation records and received no valid documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Debt ) To Whom It May Concern, This letter is to inform you that I dispute the debt referenced above. I have no record of owing any debt to your company or any creditor you represent regarding this account. Therefore, I am requesting that you immediately cease and desist all communication with me concerning this alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you provide written validation and proof of this debt, including the name of the original creditor, the exact amount claimed, and documentation bearing my signature or legal obligation. 

If you can not produce such documentation, you must promptly remove this account from your records and cease further collection attempts. Additionally, any continued reporting of this alleged debt to credit reporting agencies without validation will be considered a violation of the Fair Credit Reporting Act ( FCRA ). 

If you fail to comply with this request, I will not hesitate to report your company to the Federal Trade Commission, the Consumer Financial Protection Bureau, and the Attorney General 's office for violations of federal consumer protection laws. 

Please send all future correspondence to the mailing address listed above. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm writing because this is now the third time Ive tried to get Equifax to properly verify and correct inaccurate late payments on my credit report. 

On XX/XX/XXXX, I mailed my first dispute letter. Equifax responded by saying the account was verified, but they gave me no proof, no details, and no explanation of how they verified it. That is not a proper investigation under the law. 

Then, on XX/XX/XXXX, I sent a second dispute, and as of today, XX/XX/XXXX, Equifax has completely failed to respond its been 38 days with no communication. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which clearly states that a reinvestigation must be completed within 30 days of receiving the dispute. If the information can not be verified within 30 days, it must be deleted, as required by 1681i ( a ) ( 5 ) ( A ).

I'm disputing the following late payments reported for XXXX : XXXX : 60 days late XXXX XXXX : 60 days late XXXX XXXX : 90 days late XXXX XXXX : 120 days late XXXX The reporting doesn't make sense. For example, the 60-day late in XXXX is not possible unless a 30-day late happened in XXXX which it didnt. That alone proves the data is inaccurate. 

Equifax has not provided any documentation showing : How the information was verified Who verified it What method they used This shows they did not perform a proper reinvestigation, as the law requires. I'm attaching copies of my dispute letters and Equifaxs inadequate response. All Im asking is that this inaccurate and unverifiable information be removed from my credit report, as the FCRA clearly requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: DE

Complaint narrative:
Thank you for following up on my complaint. Equifax is currently listing my address as XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, which is incorrect. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted Equifax multiple times regarding this address issue, but it remains unresolved. I believe the incorrect address data is preventing Equifax from updating my credit report correctly, as XXXX  and XXXX have collected accurate address information and have updated my credit reports accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-02 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: PA

Complaint narrative:
I attempted several times to get my free credit report for all three major credit reporting companies Transunion, Equifax and Experion, and they are refusing to give me my reports even though I have given them proof of identity there are still requesting documents I do not have i.e bills and pay stubs etc., I have a birth certificate, state ID and social security card that's it I am also verified by ID.me for social security administration

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Affirm I have paid my debt off they still reporting as not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: IN

Complaint narrative:
There is an unknown fraudulent account appearing on my credit report that I did not authorize or open. Additionally, there is another account that was paid for deletion, and I have documentation to support that agreement. 

I have attached my FTC Identity Theft Report for the fraudulent account and the paid-for-deletion letter for the other account as evidence. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that both accounts be blocked and permanently removed from my credit report within four ( 4 ) business days of receiving this notice and supporting documentation. 

Please ensure both items are deleted from all consumer reporting agencies immediately, as they are inaccurately damaging my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I was notified by email that my checking account at JP Morgan Chase Bank was being closed, with a balance of {$7700.00} in my favor. I contacted the bank to inquire about the process for returning my money, and the agent who answered told me it would take XXXX to XXXX business days to receive the funds. The aforementioned days passed, and the check did not arrive. I called again, and the agent who answered informed me that my funds were under investigation and that it would take XXXX business days to conclude, after which the funds would be returned to me. Those days passed, and I contacted them again. The agent who answered told me that the investigation has no deadline and that I have to wait for it to be completed, and that nobody at the bank knows when it will be finished. Nobody is giving me any information or telling me when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, when I logged into PayPal, I received a notification that my account was restricted. It prompted me to submit my identity information, which I did truthfully. That same day, I received an email informing me that they were reviewing the materials, and at that time, my account was only partially restricted. 

Reference number : XXXX. In less than a day, they announced the permanent freezing of my account for some inexplicable reason, and I would be unable to use my account normally or withdraw funds. 

I was very confused by this situation. I tried contacting the CEO, the media department, and the disputes department. I sent them emails, and from XX/XX/XXXX to XX/XX/XXXX, I continuously contacted their relevant departments. The answer I received from all of them was : we can not explain this, for some reason, we can not provide you with an opportunity to appeal, and your account will be permanently unusable. 

After repeated complaints, I finally contacted their department head, XXXX, on XX/XX/XXXX. During the phone conversation, she agreed to give me one chance to upload my documents and wait for a manual review, instructing me to simply wait patiently for an email. I waited until XX/XX/XXXX but still hadn't received the email ( five business days ). I contacted customer service again via PayPal. They initially told me my account had been reviewed on XX/XX/XXXX, but the review was unsuccessful. However, when I questioned why I hadn't been asked to upload any emails, they claimed my review application had already failed when submitted by the supervisor, which is clearly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I uploaded all the documents, it is showing on my credit report and all are reporting negative on my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: NY

Complaint narrative:
This is my third dispute round with XXXX. I have 6 negative accounts still reporting inaccurately. I submitted disputes with documentation, including a bankruptcy court letter confirming the court does not furnish data to CRAs. XXXX  has failed to conduct proper reinvestigations as required under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
15 u.s.c 1592g requires a debt collector to provide validation information within five days of initial contact and informs the consumer they have 30 days to dispute the debt. Separately, Regulation B ( 12 CFR 1002.9 ( a ) ( 1 ) ) requires a creditor to notify an applicant of their credit decision within 30 days of a completed application. 

Creditor hasnt responded to the dispute letter that I sent in over 30 days which is grounds for removal from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I discovered from a past email that I have an online account with Affirm.com which is a installment payment loan company. Although the online account has my email address, address and other personal info., it appears I have no credit history with Affirm.com nor do I have an outstanding balance. However, I am uncomfortable with this online account existing and want it closed. I contacted Affirm.com via the only method it appears possible, which is by phone and they want to verify my personal info., before giving me any info. Not sure what to do or how to close this online account without divulging personal and sensitive info to this company. There appears to be no option for cancelling online account on their website, online or after I sign into my online account other than calling customer service and verifying my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Two debts for collection show up on my credit report and I have no information on it. I called the phone number listed for the collector and they do not have any records of the debt. Talked to three different entities within transworld systems. I am completely confused. On the credit report, it says that the debt originated from XXXX, and as far as I know all my bills are paid and up to date. Last time I went to buy a car, I had an XXXX credit score and this is significantly impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My account was compromised through my cell phone and my Apple Card transactions. I notified GoldmanSachs in XX/XX/year> the account was closed. I paid the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CO

Complaint narrative:
I contacted the company even tho I made some payments ahead of schedule they still charged me late fees for paying early I also paid my account off in full XXXX too months ago and it still shows a charge off I contacted the company numerous times they told me it was never a charge off just in collection not filled as a collection with any company but through them I paid this account in full as it was my obligation and I owned it Im still calling and they keep telling me to wait it will correct but it hasnt I can show in my back account it was paid in full Please help me I keep filling this is illegal to take money and provide incorrect information as non payment when I paid it in full Ive more in interest

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 2025-11-02 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: CO

Complaint narrative:
I contacted the company even tho I made some payments ahead of schedule they still charged me late fees for paying early I also paid my account off in full XXXX too months ago and it still shows a charge off I contacted the company numerous times they told me it was never a charge off just in collection not filled as a collection with any company but through them I paid this account in full as it was my obligation and I owned it Im still calling and they keep telling me to wait it will correct but it hasnt I can show in my back account it was paid in full Please help me I keep filling this is illegal to take money and provide incorrect information as non payment when I paid it in full Ive more in interest

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 2025-11-02 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: KY

Complaint narrative:
Improper use of credit reporting : In accordance with The Fair credit reporting act the list of council XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Creditor acct # 's XXXX, XXXX, XXXX The Accounts name, Account numbers, Account Type, Status updates, Balance updates, Last Payment due dates, Payment History, Personal information are inaccurate accurate and incomplete.

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