vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against [ Experian / TransUnion / Equifax ] Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Inaccurate Reporting of XXXX  XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). [ Experian / TransUnion / Equifax ] is reporting my account with multiple inaccuracies that violate FCRA requirements for maximum possible accuracy : Error Description : [ Insert specific error here, for example : Experian reports the Date of Last Activity as XX/XX/year>, while TransUnion reports XX/XX/year> and Equifax reports XX/XX/year>. These are three different dates for the same account, which proves Experians reporting is inaccurate and misleading. ] This inaccurate reporting damages my credit profile and is a violation of FCRA 609 and 611. 

I demand that this account be either corrected to reflect accurate and consistent information or deleted entirely from my credit file. 

Failure to do so will result in escalation to the FTC, CFPB enforcement, and possible legal action. 

Sincerely, 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 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company : Affirm , Inc . 

Issue : Improper reduction of approved credit limit / misleading lending practices Details : I was approved by Affirm for a {$2500.00} spending limit a few days ago. Based on this approval, Affirm funded a {$1000.00} loan for me, with the first repayment not due until XX/XX/XXXX. However, shortly after, Affirm suddenly reduced or revoked the remainder of my approved limit, claiming that purchasing power fluctuates automatically every 7 days. 

This explanation is inconsistent and misleading. If the {$2500.00} approval was only an estimate, Affirm should not have extended a loan under that approval with fixed repayment terms. Affirms actions gave me the impression that I had a confirmed {$2500.00} limit, only to revoke it without any changes to my financial situation or credit report. 

This has created financial harm and confusion, as I planned responsibly based on the {$2500.00} approval. I am requesting that Affirm be required to honor the approval it granted, or provide a transparent and consistent explanation of its credit decision process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing under my rights established by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), to formally dispute the inaccurate and misleading personal information currently being reported in my Experian credit file.

Legal Basis Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. The above entries are demonstrably inaccurate and misleading, therefore violating this requirement.

Und

er 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes information, Experian must conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and correct or delete any information that can not be verified. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disput
ed information is found to be inaccurate, incomplete, or unverifiable, Experian must promptly delete or correct 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 2025-08-25 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: CA

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

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 2025-08-25 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: AZ

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX XXXX XXXX notice on XX/XX/XXXX after pulling my free credit report that a Unknown credit by the name of XXXX XXXX pulled my credit report on XX/XX/XXXX. 
XXXX XXXX XXXX, is not a creditor, and I have not applied for, neither received any services or credit from this creditor. I have sent out multiple letters to verify the debt however i have yet to receive any verification on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Nelnet, Inc.
State: TN

Complaint narrative:
I was not notified that my loan had entered repayment status, nor did I receive any billing statements, due date reminders, or notices of past due amounts. I first became aware that my account was delinquent only after it was reported as 90 days late on my credit report. 

I believe this is a violation of my borrower rights and the servicers obligation to provide proper notice of repayment and delinquency. Under federal law, servicers are required to send billing statements and delinquency notices before negative information is reported to the credit bureaus. I was denied the opportunity to make timely payments or bring my account current prior to the damaging credit reporting. 

This inaccurate and unfair reporting has caused significant harm to my credit scores, affecting my ability to qualify for credit and housing. 

When I was made aware of the problem, I immediately contacted Nelnet and set up repayment, and was told that the late payment information would be removed. It has been more than three months, and the negative credit history is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This is my FIFTH and FINAL NOTICE regarding the fraudulent information being reported on my consumer file in violation of FCRA 605B. You have repeatedly failed to comply with your obligations to block this information after receiving a valid FTC Identity Theft Report and supporting documents.

The continued reporting of these accounts and inquiries is damaging, unlawful, and considered WILLFUL NONCOMPLIANCE, which entitles me to seek ACTUAL AND STATUTORY DAMAGES under 15 U.S.C. 1681n.

ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} INQUIRIES : XXXXXXXX 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 2025-08-25 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : 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 2025-08-25 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 am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that appears on my credit report. I have never authorized or opened this account, and its reporting is false, misleading, and damaging to my credit record.

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 2025-08-25 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I am submitting this complaint against ChexSystems , Inc. for their continued and unlawful reporting of fraudulent information on my consumer report. Despite multiple disputes, ChexSystems has failed to properly investigate or remove accounts and inquiries that do not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I am also a documented victim of the XXXXx data breach, which exposed my personal information to unauthorized third parties. As a direct result, I have been subjected to identity theft and fraudulent activity. The inaccurate accounts and hard inquiries being reported by ChexSystems are a direct consequence of this breach and identity theft, not my actions. 

ChexSystems has ignored my prior disputes and continues to report this harmful information. This conduct violates multiple provisions of federal law, including : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation of disputed information.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy of information in consumer reports.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information resulting from identity theft upon receiving proper notice and documentation. 

The continued reporting of fraudulent accounts has caused serious harm, including denial of banking opportunities, reputational damage, and emotional distress. By failing to comply with the FCRA and ignoring my rights as a victim of identity theft, Chex Systems has demonstrated negligence and reckless disregard for 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I ordered some items off XXXX which were not delivered I reached to cash app who stated they refunded my money back to my bank XXXX XXXX card I reached out to my bank as the money was not showing there my bank has stated countless times that the money was never refunded which I have told cashaspp I even showed them the message that my sent me and the claims that was denied from my bank because cashapp is not cooperating with them. When I had just opened the claim with cashAPP it took 3 mnths for them to say that it was already refunded months ago but when I told them what my bank said about the refund not being sent over all they said was its refunded and they can not do anything about it. My bank has reached the point where they have stated there is nothing else they can do and I should take cashapp to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates has been repeatedly calling both my personal phone ( XXXX ) and my wifes phone ( XXXX ) for over a year. 

We have documented dozens of calls across multiple billing cycles, sometimes multiple times per day and often back-to-back to both numbers. This harassment has worsened my anxiety and caused me to avoid answering calls, even missing important ones. 

PRA is also calling my wifes number even though her credit report shows no Portfolio Recovery accounts, only XXXX XXXX XXXX. This appears to be third-party harassment/mistaken identity. 

On XX/XX/year>, I mailed Cease & Desist letters by certified mail to PRA demanding they stop. I am requesting that the CFPB investigate PRAs harassment and ensure they comply with the FDCPA and TCPA.

Company response to consumer: Closed with explanation