vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
I am disputing a 30-day late payment inaccurately reported by XXXX XXXX XXXX XXXX on my credit report for XX/XX/year> ( Account # : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), a payment must be more than 30 days past due to be reported as a 30-day delinquency. In my case : I paid on XX/XX/XXXX in full. 
My next payment was due on XX/XX/year>. 
I made a full payment on XX/XX/year>, which was exactly 30 days after the due date. 
XXXX XXXX XXXX XXXX improperly reported this as a 30-day late payment to the credit bureaus. 
My credit score dropped over XXXX points as a result of this inaccurate and unfair reporting. 
I submitted a dispute to XXXX XXXX XXXX XXXX with documentation showing that the payment was not more than 30 days late, including billing statements, payment confirmations, and a screenshot of FCRA guidance confirming the standard. 
Under FCRA ( 15 U.S.C. 1681s-2 ), this payment should not have been reported as 30 days late, and XXXX XXXX has failed to correct the inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
I am disputing a 30-day late payment inaccurately reported by XXXX XXXX XXXX XXXX XXXX XXXX credit report for XX/XX/year> ( Account # : XXXX ). According to the Fair Credit Reporting Act ( FCRA ), a payment must be more than 30 days past due to be reported as a 30-day delinquency. In my case : I paid on XX/XX/XXXX in full. 
My next payment was due on XX/XX/year>. 
I made a full payment on XX/XX/year>, which was exactly 30 days after the due date. 
XXXX XXXX XXXX XXXX improperly reported this as a 30-day late payment to the credit bureaus. 
My credit score dropped over XXXX points as a result of this inaccurate and unfair reporting. 
I submitted a dispute to XXXX XXXX XXXX XXXX with documentation showing that the payment was not more than 30 days late, including billing statements, payment confirmations, and a screenshot of FCRA guidance confirming the standard. 
Under FCRA ( 15 U.S.C. 1681s-2 ), this payment should not have been reported as 30 days late, and XXXX XXXX has failed to correct the inaccuracy.

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 2025-08-05 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: CITIBANK, N.A.
State: AL

Complaint narrative:
A credit card ( BEST BUY / CBNA ) appeared on my credit report. The information provided says the account was detected between XX/XX/XXXX and XX/XX/XXXX. It shows that the credit card was opened XX/XX/XXXX. There is a credit balance of {$1600.00} with a max balance of {$2800.00}. The last known payment of {$46.00} was made XX/XX/XXXX. I have reached out to Citi Bank in reference to this credit card showing on my account but were not helpful. But did advise that I was added as an authorized user. I filed a police report in reference to the fraudulent credit card on my report. But have no gotten an update on who is responsible for this card or it being 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 non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am submitting this follow-up complaint as my third formal request to have fraudulent accounts and unauthorized inquiries removed from my credit report. These items are the result of identity theft, and I did not authorize or initiate any of the activity in question. 
According to FCRA 605B 15 U.S.C. 1681c-2, you are required to block information from a consumers credit file if it is a result of identity theft and the proper documentation has been submitted. I have previously provided these documents and am resubmitting them for your convenience. 
XXXXXXXX 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 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NY

Complaint narrative:
AFNI is attempting to collect an alleged debt of {$16000.00} for property damage. I do not believe I owe this debt. I requested proof of the repairs, and they admitted via phone that they can not provide documentation. I have a recording of this call. 
Without documentation, this collection effort violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). Im requesting that AFNI stop all collection efforts and remove any mention of this debt from any consumer reporting. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I discovered that multiple fraudulent accounts were opened and collections reported in my name without my knowledge or consent. I have already submitted a formal FTC Identity Theft Report and am requesting immediate removal and blocking of this account under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) and reinvestigation under Section 611 ( 15 U.S.C. 1681i ). Please also cease all collection and furnish details of the verification method used. No valid authorization exists.

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 2025-08-05 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
The Affirm account was not opened by you and was created using a phone number and address not belonging to you. 
You later recovered access to the phone number and account. 
The account has caused a false late payment, damaging your credit. 
You reported this as identity theft, but Affirms response ignored the fraud claim and focused on an address change. 
Youve provided proof to other creditors, and other lenders have removed the items, but Affirm has failed to investigate or remove this account. 
This violates FCRA sections 605B, 611, and 623, and you are requesting : A full fraud investigation Deletion of the Affirm tradeline and any negative marks A response that addresses the fraud claim not just address mismatch 1. FCRA 611 ( 15 U.S. Code 1681i ) Failure to Conduct Reasonable Investigation You reported the account as fraudulent ( identity theft ), yet Affirms response shows no mention of any fraud investigation.

Instead, they addressed a billing address mismatch, ignoring your dispute.

Violation : Failure to conduct or document a reasonable investigation of disputed information.

2. FCRA 605B ( 15 U.S. Code 1681c-2 ) Identity Theft Blocking You stated the account was opened by someone else using a false address and your identity. 
If you provided an identity theft report ( like a police report or FTC Identity Theft Report ), they are required to block reporting of that account within 4 business days.

Violation : If you provided this and they didnt block the tradeline, thats a clear violation.

3. FCRA 623 ( a ) ( 8 ) ( 15 U.S. Code 1681s-2 ) Furnishers Duty After Notice of Dispute When a consumer disputes directly with the CFPB or credit bureau , the furnisher ( Affirm ) must : Conduct a proper investigation, Correct or delete any inaccurate information, Report the results.

Their response did not reference any fraud or identity theft review.

Violation : Failure to fulfill these duties properly.

4. FCRA 623 ( a ) ( 1 ) ( A ) Reporting Accurate Information Furnishers are prohibited from reporting information that they know or have reasonable cause to believe is inaccurate.

Since you informed them of identity theft, continuing to report this without verifying is a violation.

Violation : If they are still reporting the account or the late payment they are knowingly reporting false info.

5. FACTA Negligent Handling of Identity Theft The Fair and Accurate Credit Transactions Act ( FACTA ) amended the FCRA to strengthen identity theft protections.

Failure to have procedures in place to detect and respond to identity theft red flags is a compliance issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.

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 2025-08-05 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: GA

Complaint narrative:
Contacted the consumer reporting agency in regards to improper reporting of a bankruptcy on my credit report. I disputed this claim and asked for proof. The reporting agency claims that the u.s. bankruptcy courts provided this information and verified it. I contacted the bankruptcy court officials and was informed via the courts that they do not provide court records to third party agencies.

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 2025-08-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX - SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the XXXX Data Breach XXXX Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX - XXXX XX/XX/XXXX - Balance $ XXXX XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX XXXX XXXX {$43000.00} XXXXXXXX XXXX - Opened XX/XX/XXXX - Balance {$17000.00} XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX - Balance {$14000.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$27000.00} XXXX XXXX - Opened XX/XX/XXXX - XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : XXXX. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
XXXX. Provide written confirmation that these fraudulent items have been blocked and deleted. 
XXXX. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). 

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you so much for your immediate attention to this urgent matter. 



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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Under 15 U.S. Code 1666b, creditors are required to provide a minimum of 21 days to make payment after sending the billing statement. I believe this requirement was not met in my case, as I have received 0 billing statements in reference to my student loan accounts. Please remove the delinquency for all 2025 months XXXX XXXX and send a statement for each. 

Deptednelnet - 6 accounts total

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Sent a letter offering a lawyer services to litigate supposedly just recently filed case against me, and then the second page was a fake document formatted to look like a complaint filed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My account has been having fraudulent my ex was using my number and email and was doing fraud on my account acting like me while i was at work he got my XXXX account closed and when it got closed i called the bank they said to change my number and email but seen like it was just getting worse from there its been a couple months i got a different bank and changed email and they closed my XXXX this week and closed my chase account today I kept getting alerts I did change my email and number today because I feel like he is still using my i for XXXX I just want my life back .. I just want to be able to use XXXX and open my XXXX account. I have a new email and number XXXX and number XXXX I had to change everything because of him please someone help me get my XXXX and identity 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
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account Not My Personal Debt Dear [ Experian / Equifax / TransUnion ] Dispute Department, HELP!!! THIS COMPANY ILLEGALLY SOME HOW GOT MY PERSONAL SOCIAL POSSIBLEY AND MY NAME AND PUT A FALSE COLLECTION AGAINST ME. I ONLY WORK AT THE COMPANY, I DONT OWN IT. I am writing to formally dispute a collection account currently listed on my credit report. The account in question reflects a balance of {$8500.00} and is associated with a business entity I WORK AT I DONT OWN IM JUST THE ACCOUNTS RECIVABLE DEPARTMENT, not my personal finances. This debt is not mine and should not be reported under my personal credit profile. OR MY NAME IM JUST A WORKER IN THE ACCOUNTING DEPARTMENT Details of the disputed account : - Creditor/Collection Agency Name : [ XXXX XXXX XXXX ) - Account Number : NO ACCOUNT NUMBER - Reported Balance : {$8500.00} - Date Opened/Reported : [ UNKOWN This account is tied to a XXXX XXXX XXXX XXXX  XXXX XXXX and is not my personal obligation. I am not personally liable for the debts of that business, and it should not be reflected on my individual credit file AS A WORKER IN ACCOUNTING HOW DID THIS COMPANY PICK ME!!!! IT'S OVER XXXX EMPLOYESS AND IM PICKED. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ), I am requesting a full investigation and prompt removal of this inaccurate account. The continued reporting of this debt on my personal credit file is a violation of the FCRA, specifically 602A which protects against inaccurate and unfair credit 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I submitted a detailed dispute and validation demand to Midland Credit Management ( MCM ) in XXXX XXXX ( delivered via USPS Priority Mail with tracking ). In this letter, I requested verification of the debt, including : Proof of ownership/assignment from XXXX Full account records from the time of origination ( XX/XX/XXXX ), not just post-XXXX XXXX Disclosure of any knowledge MCM had regarding XXXX receiving insurance reimbursement, indemnification, or other recovery of the debt before selling it to MCM To date, Midland Credit has not responded to these core requests, nor acknowledged the dispute. Despite this, they continue to send collection communications, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ), including 1692g. 

Furthermore, XXXX 's response to my CFPB inquiry failed to confirm whether they had recovered the value of the debt through reimbursement or monetization prior to sale. This raises serious concerns about whether MCM is attempting to collect on a previously indemnified accountsomething they must disclose. 

I believe this situation warrants further investigation by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C 1681c-2 ) that you, transunion credit reporting agency , block any information appearing on my credit report that is a result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consist of credit card accounts from XXXX XXXXXXXX on XXXX XXXX. A collection account from XXXX XXXX XXXX on XX/XX/XXXX. A account from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. And XXXX separate accounts from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. These accounts have resulted in several fraudulent accounts and collections on my credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my credit report maintained by you were not opened or initiated by me. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned accounts and collections are the result of identity theft and fraud

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