vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX  # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-29 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: HI

Complaint narrative:
I am writing to formally dispute the inaccurate and misleading reporting of an account from XXXX XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX that is listed on my credit report. 

The account in question shows a status of Collection/Chargeoff and/or Derogatory despite the balance being {$0.00} and the account being paid in full. Additionally, the way the account is reported varies across the bureaus, further proving inconsistency and potential inaccuracy : Experian lists the account as Paid. 

TransUnion and Equifax still list it as Derogatory, even though there is no balance due. 

This inconsistency, combined with the fact that the account has been resolved, constitutes grounds for immediate correction or removal under the Fair Credit Reporting Act ( FCRA ), which requires that all information be accurate, complete, and verifiable. 

Action Requested : Please remove this account from my credit file, or update it to reflect its paid, closed, and non-derogatory status across all reporting lines. 

I have attached documentation, including a copy of the report and proof of the {$0.00} balance ( see attached ), for your review. 

Thank you for your prompt attention. Please notify me of the results of your investigation within the 30-day window required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The account in question, listed by XXXX ], is currently being reported as open. However, collection accounts are not revolving credit lines and should not be reported as open accounts. By definition, a collection account is closed to further charges and should reflect a status of closed or collection, not open. 

Under 15 U.S. Code 1681e ( b ) of the FCRA, credit reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a collection account as open misrepresents the nature of the account and may artificially lower my credit score, constituting inaccurate and misleading reporting. 

I am requesting the following action be taken immediately : 1. Investigate and verify the accuracy of the open status on this account.

2. Correct or delete the inaccurate information if it can not be verified in full compliance with the FCRA.

3. Provide me with a written response of your findings within 30 days as required by FCRA 611 ( 15 U.S. Code 1681i ).

Please consider this letter as my formal dispute and request for reinvestigation. I have enclosed a copy of my government-issued ID, proof of address, and a copy of my credit report with the item in question highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am writing to formally file a complaint against Affirm , Inc. for failing to uphold a pay-for-delete agreement and for inaccurately reporting debt information to the credit bureaus, which is negatively impacting my credit score.

In 2025 I reached settlement agreements with Affirm , Inc. on three separate accounts they were reporting to the credit bureaus. As part of each settlement, Affirm agreed to a pay-for-delete arrangement, whereby the accounts would be removed from all three major credit reporting agenciesXXXX, XXXX, and XXXXupon receipt of the agreed-upon payments. 

I fulfilled my end of each agreement and made full payment as outlined. However, despite this, all three accounts are still being reported as unpaid and/or derogatory, directly violating the terms of our agreements. This continued inaccurate reporting is severely damaging my credit score and financial standing. 

I am requesting the following immediate actions from Affirm, Inc. : Permanent removal of all three negative account entries from XXXX, XXXX, and XXXX, in full accordance with our pay-for-delete agreements. 

A complete and itemized record of all payments made, copies of the original agreements, debt validation documents, and all communications between myself and Affirm , Inc. within the past 90 days.

A formal written confirmation that each of the three accounts has been corrected and/or deleted from the credit reporting agencies. 

Additionally, I wish to remind Affirm of their legal obligations under both federal and Maryland law : The Maryland Consumer Debt Collection Act ( MCDCA ), Md. Code Ann., Com. Law 14-201 et seq., prohibits debt collectors from using fraudulent, deceptive, or misleading methods.

The Fair Credit Reporting Act ( FCRA ) requires that creditors and debt collectors report only accurate and truthful information to the credit bureaus.

By continuing to report these settled accounts as unpaid or derogatory, Affirm may be in violation of both the MCDCA and the FCRA. 

Please investigate this matter promptly and ensure Affirm complies with both the settlement agreements and applicable laws. I am attaching proof of payment and relevant correspondence for your review. 

Thank you for your time and assistance. I look forward to a swift and just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
This letter constitutes a formal dispute and demands the permanent deletion of inaccurate, outdated, incomplete, and/or unverifiable information currently listed on my consumer credit file.

Pursuant to 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I hereby request the immediate and permanent deletion of all items that meet any of the following conditions : Can not be verified with evidence that is current, complete, and accurate ; Are factually inaccurate or misleading ; Are incomplete in a manner that materially misrepresents the account or event ; Are obsolete or outdated beyond the reporting limitations imposed under 15 U.S.C. 1681c ; Were reported in violation of Section 609 ( a ) ( 15 U.S.C. 1681g ), lacking proper documentation upon request ; Can not be substantiated within the time frame required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

According to 15 U.S.C. 1681c2 ( a ) : A consumer may request the consumer reporting agency to block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft or that the consumer believes is the result of an error.

You are hereby put on notice that failure to conduct a reasonable reinvestigation and to permanently delete unverifiable or inaccurate data will constitute a willful violation of federal law, subjecting your agency to civil liability under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o.

I demand : A full reinvestigation of all disputed information as required by 15 U.S.C. 1681i ; Written confirmation of the results of your reinvestigation ; Immediate and permanent deletion of all information you are unable to fully verify ; A revised copy of my consumer file reflecting these deletions ; Identification of the furnisher ( s ) of the disputed information, 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action under the Fair Credit Reporting Act and applicable state laws.

This is a time-sensitive legal matter, and you are required to respond within 30 days of receipt of this notice, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
This letter constitutes a formal dispute and demands the permanent deletion of inaccurate, outdated, incomplete, and/or unverifiable information currently listed on my consumer credit file.

Pursuant to 15 U.S.C. 1681c2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I hereby request the immediate and permanent deletion of all items that meet any of the following conditions : Can not be verified with evidence that is current, complete, and accurate ; Are factually inaccurate or misleading ; Are incomplete in a manner that materially misrepresents the account or event ; Are obsolete or outdated beyond the reporting limitations imposed under 15 U.S.C. 1681c ; Were reported in violation of Section 609 ( a ) ( 15 U.S.C. 1681g ), lacking proper documentation upon request ; Can not be substantiated within the time frame required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

According to 15 U.S.C. 1681c2 ( a ) : A consumer may request the consumer reporting agency to block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft or that the consumer believes is the result of an error.

You are hereby put on notice that failure to conduct a reasonable reinvestigation and to permanently delete unverifiable or inaccurate data will constitute a willful violation of federal law, subjecting your agency to civil liability under 15 U.S.C. 1681n and/or negligent noncompliance under 15 U.S.C. 1681o.

I demand : A full reinvestigation of all disputed information as required by 15 U.S.C. 1681i ; Written confirmation of the results of your reinvestigation ; Immediate and permanent deletion of all information you are unable to fully verify ; A revised copy of my consumer file reflecting these deletions ; Identification of the furnisher ( s ) of the disputed information, 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action under the Fair Credit Reporting Act and applicable state laws.

This is a time-sensitive legal matter, and you are required to respond within 30 days of receipt of this notice, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AR

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All 3 bureau are confrontational with each other. debts are not accurate ; I would like this matter resolved or a 1099-c and have this information and or debt removed.

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 2025-06-29 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: AR

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

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 2025-06-29 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law.

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 2025-06-29 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: IL

Complaint narrative:
XXXX has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>. ) TransUnion and Equifax reported dates XX/XX/year>, XX/XX/year>, XX/XX/year> which inaccurate and inconsistent with Experians reported dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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