vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing the reporting of a XXXX late payment on my XXXX Secured Credit Card account. The account was closed shortly after being opened and should not reflect a significant derogatory mark. This late payment entry is inaccurate and unverifiable. I have requested full verification, including documentation proving the balance, due dates, and posting of payments, but no records have been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers must report complete and verifiable information. If the creditor can not provide proof of the late payment with original records, this negative mark must be deleted. I request a full reinvestigation and correction of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The following hard inquiries were made on my credit report without my knowledge or authorization : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize these inquiries. They are associated with fraudulent accounts opened in my name due to identity theft. I request that these inquiries be removed from my credit report. I have attached my Identity Theft Affidavit, dispute letters, proof of identity, and credit report pages highlighting the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I am a victim of identity theft. The following hard inquiries were made on my credit report without my knowledge or authorization : 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 XXXX XXXX XXXX XX/XX/XXXX XXXX did not authorize these inquiries. They are associated with fraudulent accounts opened in my name due to identity theft. I request that these inquiries be removed from my credit report. I have attached my Identity Theft Affidavit, dispute letters, proof of identity, and credit report pages highlighting the unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CT

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CT

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I previously sent Discover my dispute letters along with supporting documentation, including my police report and FTC Identity Theft Report. To date, I have not received any paperwork or communication back from your company acknowledging or addressing my submissions. 

The account in question was removed from my credit report but has since been reported again, which is inaccurate and unlawful. By law, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX had XXXX days to investigate and respond to my dispute. That deadline has long passed, meaning this account must be deleted from my credit report immediately. 

I am demanding the permanent removal of this fraudulent account from all credit reporting agencies and written confirmation from XXXX XXXX that the matter has been resolved in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I financed a purchase through Affirm , Inc. for a product sold by XXXX, marketed as XXXX XXXX The merchant claimed to be an online pharmacy offering legitimate telemedicine services, stating that a licensed doctor would conduct a XXXX consultation before prescribing the product. That never occurred. Instead, I received only a pre-recorded welcome video and an email from a supposed doctor, followed by shipment of an unapproved and misbranded drug that appears unlawful under FDA regulations. 

Once I realized the product was fraudulent, I contacted both XXXX and Affirm to cancel the transaction. My bank reversed the charge after verifying the transaction was invalid. However, Affirm refused to acknowledge the refund, closed my dispute in favor of the merchant, and continued to report the loan as open and owed to credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

I have provided Affirm with extensive documentation, including proof of refund, screenshots of the merchants false claims, a federal FDA warning letter referencing similar peptide products, and confirmation letters from the Virginia and Utah Attorneys General, both of whom are reviewing the merchants business practices. Despite this evidence, Affirm has not corrected my credit reports or recognized that the underlying sale was fraudulent. 

Under the FTC Holder Rule ( 16 C.F.R. 433 ), Affirm, as the creditor, shares responsibility for merchant misconduct in financed transactions. Because the underlying sale was unlawful and void, Affirm can not legally demand payment or continue reporting the debt as valid. Its refusal to close the account, update my credit report, or provide documentation of its investigation violates the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) and may also violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting that Affirm : Void or close the loan associated with bmiMD.com, Remove any inaccurate or negative credit reporting tied to this transaction, and Provide written confirmation that no payment is owed. 

Supporting documents include the bank reversal, FDA letter, XXXX complaint confirmations, and AG acknowledgment letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I purchased an item off XXXX from a seller. Item was founded to be a counterfeit and proof was provided to PayPal and seller. PayPal issued a refund but said I needed to return item by XX/XX/year>. Item was mailed and received by seller on XX/XX/year>. I contacted PayPal and sent proof item was signed for and received. I was told I had to give seller until XX/XX/XXXX to respond to PayPal. I called on the XXXX wanting my refund of {$220.00}. I was told by PayPal that I had to wait until the XXXX of XXXX for a final notice to be sent to seller. This is ridiculous. I want my refund for an item I sent back and was a fake! PayPal is holding onto my money and giving me the runaround.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
XXXX  XXXX  sent a balance to credit bureau that I did not owe. XXXX phone stated it was a cancellation fee. I informed them and report credit agency that I did not have a balance due. Policy was cancelled and I dont owe a balance. It was no where in writing if my policy was cancelled. I owe a cancellation fee. I had new auto insurance at a new company. They refuse to remove from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
ROCKET MORTGAGE ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  Status : Derogatory ( XXXX ) Inaccuracies Found : XXXX lists as Derogatory while XXXX XXXX XXXX list as Open. 

Payment reported as 30 days late though payments continued within 30-day grace.

Monthly payment data inconsistent among bureaus.

Violations : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigation of disputed information.

15 U.S.C. 1681n : Willful noncompliance entitles consumer to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Village Capital & Investment LLC
State: MI

Complaint narrative:
Village Capital is taking XXXX business days to comply with multiple Payoff Letter Requests sent. Because of this, I am not able to close on a new home. 
So, because they are REQUIRING XXXX business days to procure XXXX letter, mine and my buyer 's lives are on hold. My XXXX XXXX  are stuck in an inopportune space, my XXXX XXXX XXXX husband has had to pack and unpack his XXXX equipment more than once, and the buyer of our home is in a similar situation now. 
As a consumer, I believe that it should be my right to recieve this Payoff Letter within a much more acceptable XXXX hours range. This is how every other credit union I've worked at, or bank I've used, has ever worked. 
When I call their contact center to verbally request the letter or ask to escalate, they have no line to send me to, just a callback queue that has yet to reach me. I should be allowed my loan information, and a callback to my complaints, much faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate details. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting that these entries be investigated, and if verification can not be provided, they must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

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. 

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 List of Unauthorized Inquiries : 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: DE

Complaint narrative:
I am disputing the accuracy of late payment information being reported on my XXXX account ( opened XX/XX/XXXX ). The account is open, has a {$0.00} balance, and is currently reported as XXXX or paying as agreed. However, my credit report still shows XXXX late payments from XXXX. I have not previously filed a dispute, and I am requesting that these late payments be reviewed and corrected or removed, as the account is now current and in good standing. The continued reporting of delinquencies does not reflect my present payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Still unable to access my account at XXXX 

I was able to finally get an EQUIFAX report at XXXX after XXXX months. ( attached ) I am unable to update my address ( add and address ). 

Inaccurate account is still being reported after multiple disputes. 

A resolution and update have taken longer than 30 days. As a result, I am submitting a new dispute with the attached EQUIFAX Pre-Arbitration Demand letter. 

A third-party site is showing that I requested a Fraud Alert and I didn't. I have contacted EQUIFAX repeatedly advising that I did not authorize nor request a fraud alert and requested a removal. Despite submitting an FTC Identity Theft Report, I do not want a fraud alert to affect my ability to get credit. I call to place and remove credit freezes since my inability to access myequifax.com. 

According to the attached EQUIFAX DATA BREACH SETTLEMENT, my personal information was impacted. This includes my social security number being exposed and compromised. 

If a resolution is not reached, I have no choice but to report again to my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
In reviewing my credit report, I have come across numerous errors with my name and address. My correct name is XXXX XXXX XXXX XXXX. The only address that should be listed is XXXX XXXXXXXX XXXX XXXX XXXX Please remove all employment history and old addresses that are associated with someone else. Enclosed is a copy of my driver 's license with my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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