vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Citizens Bank regarding a transaction of {$2900.00} on my account ending in XXXX. The bank issued a provisional credit while investigating. 

On XX/XX/XXXX the bank reversed my provisional credit without providing any prior written notice of the results of its investigation, as required by 12 CFR 1005.11 ( d ) under Regulation E.

Regulation E requires that a financial institution provide written notice of the results of its investigation before removing a provisional credit, including : The date and amount of the transaction, A statement of the findings, and The evidence relied upon. 

I received no such notice before the reversal occurred. This left my account with a negative balance and caused financial distress. I have a 2 month old that I need to provide for. They reversed the credit without notifying me. 

I am requesting that the CFPB require [ Bank Name ] to : 1. Reinstate my provisional credit until proper notice is provided ; 2. Provide me with a full copy of the investigation file ; and 3. Ensure future compliance with Regulation E notice requirements. 

What happened so far : I contacted the bank on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via phone to dispute the reversal. 
The bank has not provided proof that any written notice was sent prior to the reversal. 

Resolution I am seeking : Immediate reinstatement of my provisional credit until proper notice is given, plus a copy of all investigation documentation.

I sent them all documentation to help with the investigation. I never heard from them indicating that they got the evidence.

I sent pictures, and screen shots.

The merchant that I purchased from never responded to any of my emails. Would hang up on me. They also forged my signature for the delivery. So the signature is just a scribble. They delivered a USED FLOOR MODEL mower to me instead of a NEW lawn mower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
I had a loan through Affirm. This loan was paid off and closed. Affirm, in violation of State and Federal Law, placed a late/missed payment on an account that was 100 % paid in full and was not late. Affirm has also listed payments late on accounts not even through affirm in some instances. This is wholly illegal yet Affirm continues to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I paid the balance of {$410.00} off on XX/XX/2025. I have a copy of the check and the bank statement regarding the payment being paid off, but. XXXX keeps charging the credit card. I also have a copy of the email statement XXXX sent me regarding the balance due. Also, XXXX said that I called and changed my verbal password. I never ever established a verbal password with them. I am tired of XXXX trying to continue their scam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : [ Creditor Name appears as XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * This is my second dispute regarding the reporting of the above-referenced account with XXXX, Experian, and XXXX I am demanding a thorough reinvestigation because the account continues to be reported inconsistently and inaccurately across all three credit bureaus. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, which require accurate, fair, and verifiable reporting. 

Here are the clear and material inconsistencies : High Balance XXXX : {$460.00} Experian : {$0.00} XXXX : {$460.00} Experian incorrectly reports {$0.00}. 
Date of Last Activity XXXX : XX/XX/XXXX Experian : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX All three are reporting different dates. This is factually impossible. 
Date Reported XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX The same account can not have XXXX different reported dates. 
Closed Date TransUnion : XX/XX/XXXX Experian : Not Reported XXXX : Not Reported Inconsistent closure reporting. 
Creditor Type XXXX : Bank Credit Cards Experian : Bank Credit Cards XXXX : National Credit Card Companies Equifax reports a different creditor type.

Creditor Remarks TransUnion : Charged off as bad debt / Canceled by credit grantor Experian : Account has been closed due to inactivity / Unpaid balance reported as a loss Equifax : Charged off account / Accounts closed by credit grantor Three completely different remarks for the same account.

Last Payment XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax reports a different last payment date. 
Account Type XXXX XXXX Secured credit card Experian : Credit line secured XXXX : Not reported Inconsistent reporting of the account type. 
XXXX XXXX TransUnion : {$300.00} Experian : {$300.00} Equifax : {$0.00} Equifax is not reporting the correct credit limit. 
These discrepancies constitute violations of : FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy of information.

FCRA 1681i : If disputed information can not be verified, it must be corrected or deleted.

FCRA 1681s-2 : Furnishers must report accurate information and correct errors. 

This is now my second dispute. The bureaus and furnisher have failed to correct or remove the inaccuracies after the first dispute. Continued reporting of inconsistent, unverifiable, and contradictory data is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : [ Creditor Name appears as XXXXXXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * This is my second dispute regarding the reporting of the above-referenced account with XXXX, Experian, and XXXX I am demanding a thorough reinvestigation because the account continues to be reported inconsistently and inaccurately across all three credit bureaus. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, which require accurate, fair, and verifiable reporting. 

Here are the clear and material inconsistencies : High Balance XXXX : {$460.00} Experian : {$0.00} XXXX : {$460.00} Experian incorrectly reports {$0.00}. 
Date of Last Activity XXXX : XX/XX/XXXX Experian : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX All three are reporting different dates. This is factually impossible. 
Date Reported XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX The same account can not have XXXX different reported dates. 
Closed Date TransUnion : XX/XX/XXXX Experian : Not Reported XXXX : Not Reported Inconsistent closure reporting. 
Creditor Type XXXX : Bank Credit Cards Experian : Bank Credit Cards XXXX : National Credit Card Companies Equifax reports a different creditor type.

Creditor Remarks TransUnion : Charged off as bad debt / Canceled by credit grantor Experian : Account has been closed due to inactivity / Unpaid balance reported as a loss Equifax : Charged off account / Accounts closed by credit grantor Three completely different remarks for the same account.

Last Payment XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax reports a different last payment date. 
Account Type XXXX XXXX Secured credit card Experian : Credit line secured XXXX : Not reported Inconsistent reporting of the account type. 
XXXX XXXX TransUnion : {$300.00} Experian : {$300.00} Equifax : {$0.00} Equifax is not reporting the correct credit limit. 
These discrepancies constitute violations of : FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy of information.

FCRA 1681i : If disputed information can not be verified, it must be corrected or deleted.

FCRA 1681s-2 : Furnishers must report accurate information and correct errors. 

This is now my second dispute. The bureaus and furnisher have failed to correct or remove the inaccuracies after the first dispute. Continued reporting of inconsistent, unverifiable, and contradictory data is unlawful.

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 2025-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2025 there were 2 inquiries made to both XXXX and Capitol one for credit cards. I never applied so this means my account has been compromised and I want to report FRAUD. I contacted both credit card companies on XX/XX/XXXX to report fraud and to cancel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've been trying to access my free Experian account so I can dispute the inaccuracies listed on my report. However, whenever I try to login, I'm prompted to add a credit card and pay for premium membership. I do not have their premium service. I do not want their premium service. I simply wish to access my basic, free account. Experian customer service has not responded to the multiple emails I have sent Furthermore, I'm constantly getting emails from Experian about how my payment method failed. I would like this to stop as well. I don't want their premium service

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 2025-08-16 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: NY

Complaint narrative:
My Experian credit report contains multiple inaccurate personal identifiers in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 1681i ( dispute rights ). 

My correct legal information is as follows : Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX Number : XXXX Employer : None The following identifiers are inaccurate and must be deleted : Name ID : # 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 XXXXApplicants : I have never been married nor applied jointly. 

Employers : None These inaccurate identifiers increase the risk of misattributed accounts and are misleading. I request Experian immediately delete all incorrect identifiers and retain only my verified legal information as listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
My Experian credit report contains multiple inaccurate personal identifiers in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 1681i ( dispute rights ). 

My correct legal information is as follows : Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX Number : XXXX Employer : None The following identifiers are inaccurate and must be deleted : Name ID : # 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 XXXXApplicants : I have never been married nor applied jointly. 

Employers : None These inaccurate identifiers increase the risk of misattributed accounts and are misleading. I request Experian immediately delete all incorrect identifiers and retain only my verified legal information as listed above.

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 2025-08-16 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to follow up on my complaint originally submitted on XX/XX/2025, regarding Equifaxs failure to properly investigate fraudulent and inaccurate information on my consumer report. 

Since my initial filing, Equifax has not provided any meaningful resolution. The disputed items remain on my report, and Equifax continues to avoid its legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation. 

As I previously explained, this delay is causing severe harm to me as a XXXX veteran currently attempting to close on a mortgage. I am now facing imminent financial injury, as my loan approval and home purchase are at risk due to Equifaxs inaction. The emotional toll has also been significant, given my XXXX and the stress of this urgent situation. 

I respectfully request : That the CFPB require Equifax to immediately conduct a lawful investigation into my dispute. 

That the fraudulent and inaccurate accounts be removed from my report without further delay. 

That Equifax be held accountable for engaging in stall tactics and failing to comply with their FCRA obligations. 

I am again attaching copies of my original dispute, Equifaxs stall letter, and any additional correspondence since my initial complaint. 

Given the urgency of my mortgage closing, I request expedited handling of this matter. 

Thank you for your continued attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-08-16 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 am disputing an account reported by XXXX XXXX XXXX  ( Account # XXXX ) on my TransUnion credit report, which is listed as Account Rating : Payment after charge-off. The account currently shows {$0.00} balance and {$0.00} past due, yet retains a derogatory rating that is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ) 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to ensure maximum possible accuracy of the information they report. The CFPB has explicitly emphasized that credit bureaus must screen forand eliminatejunk data or obviously false or conflicting credit report entries. Misleading data, even if technically formatted, violates these accuracy obligations. 

In this case, continuing to report Payment after charge-off despite a XXXX balance and no amounts past due is inconsistent, confusing, and materially misleading. It fails CFPBs requirement that credit reports not contain false junk data. 
Consumer Financial Protection Bureau

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 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 am filing this complaint because my credit report contains accounts that are inaccurate and do not comply with the Fair Credit Reporting Act ( FCRA ). I am requesting an investigation and the deletion of these accounts, as the information being reported is erroneous, incomplete, and causing financial harm. 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 2025-08-16 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: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am demanding immediate action regarding three disputed items on my credit report, with particular focus on the account reported by Jefferson Capital LLC ( originally XXXX ). 

Let me be clear : * * this account is entirely fraudulent * *. Not only do I deny any association with this alleged debt, but the dates reported are also categorically false. I had a legitimate XXXX account that was * * paid in full in XXXX * * there was no activity in XXXX, and any claim to the contrary is both inaccurate and misleading. If this account is being reported based on that prior relationship, it is being done so * * dishonestly and in violation of federal law * *. 

The XXXX account in question is equally problematic. It includes * * fraudulent charges and incorrect dates * *. I explicitly requested * * verifiable proof * * that the information being reported is accurate and valid. To date, I have received * * no documentation, no supporting evidence, and no legitimate verification * * because such proof simply does not exist. 

Furthermore, the handling of my disputes has been unacceptable. They have repeatedly failed to respond within the * * 30-day period required by the Fair Credit Reporting Act ( FCRA ) * *. On multiple occasions, they claimed to have verified these accounts without providing * * any explanation or evidence * *, which constitutes * * a direct violation of my rights * * as a consumer.

This is a formal demand for the * * immediate deletion * * of these inaccurate and unverified accounts from my credit report. If this matter is not resolved promptly and in full compliance with the FCRA, I will not hesitate to escalate this issue including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages resulting from the continued reporting of false information.

Relevant Legal Citations ( FCRA ) FCRA 611 ( 15 U.S. Code 1681i ) Requires credit reporting agencies to investigate disputes within 30 days and delete unverifiable information.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) Requires all information to be reported with maximum possible accuracy.

FCRA 623 ( 15 U.S. Code 1681s-2 ) Furnishers of information must not report data they know or have reason to believe is inaccurate.

FCRA 605 ( 15 U.S. Code 1681c ) Prohibits the re-aging of accounts and reporting of outdated negative information beyond legal limits.

FCRA 616 & 617 ( 15 U.S. Code 1681n & 1681o ) Allows for civil liability, legal fees, and punitive damages for willful or negligent noncompliance.

Company response to consumer: Closed with explanation