vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 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: CA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX, Account Number XXXX XXXX, Date XXXX XXXXXX/XX/year>, Amount : {$3000.00} Late Payments : XXXX XXXX, Account Number XXXX XXXXXXXX Dispute : This account shows late payments that were not accurately reported, and I am requesting validation and removal of any incorrect late payments.

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 2025-10-31 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, we purchased a couch, love seat and area rug from XXXX for {$4700.00}. 
The items were delivered XX/XX/year> When we made the purchase, we were strongly encouraged by the XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) to join the Rewards program and to put it on their credit card. We were told that this way we would pay no interest for a year and then would pay interest after that. It was a Synchrony credit card.. 

Today, ( XX/XX/XXXX ), I paid off the estimated balance of {$3100.00} to close the account. At this time I noticed an shocking additional charge of ~ {$1500.00}. I called the credit card company and was told that I had to XX/XX/XXXX to pay off the account in full, otherwise I would pay the full accrued interest rate since the date of purchase. I asked for a supervisor and was told the same thing. They refused to act in good faith EVEN THOUGH I WAS XXXX LATE. I informed them it was not clear. They said the XXXX XXXX told me the promotional was ending. True, but it was deceptive and unclear that this would mean I would be charged a penalty XXXX {$1500.00}!!! 

I never realized there was something like this existed. It seems shady. I was told verbally by the sale person that I would only pay the interest on the balance after that. I likely missed the fine print at XXXX XXXX of sale. IN GOOD FAITH I PAID OFF THE ORIGINAL BALANCE IN FULL. I believe they perhaps are getting by " legally '' but this is very deceitful and TAKING ADVANTAGE OF AN ELDERLY I addition to this, the area rug we purchased from them wore prematurely in less than a year. We had purchased insurance as well. The insurance would not take care of it since it was a manufacturing defect. XXXX said they would not honor it since it was " XXXX XXXX '' even though it was not. No documentation to show that.

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 monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Affirm in connection with a XXXX purchase. I booked lodging through XXXX for XXXX XXXX and paid using Affirm. Upon arrival, the unit was dirty, unsanitary, and uninhabitable. Although the host attempted to clean, the condition remained unacceptable, I even had to clean, forcing me to secure alternate lodging. 

XXXX  and the host refused to issue a refund, citing a non-refundable policy, even though the service was not provided as described. I disputed the charge with Affirm, but I am still being held responsible for payments on a transaction where no usable service was provided. I even provided evidence with pictures. 

I am requesting that Affirm re-investigate fully and provide a fair resolution given that the service was not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-10-31 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: NY

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 non-monetary relief
Consumer complaint received 2025-10-31 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
[ Todays Date ] To : Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Affirm , Inc. Account Under 15 U.S.C . 1681 To Whom It May Concern, I am writing to formally dispute a fraudulent Affirm , Inc. account that appears on my consumer credit report. I have never opened, authorized, or consented in writing to any account or financing agreement with Affirm , Inc . This account was opened without my knowledge or permission and is now being reported as delinquent or past due, which is negatively affecting my credit file. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), no consumer reporting agency may furnish a consumer report except for permissible purposes authorized by the consumer. Since I never provided written authorization to Affirm , Inc. to open, report, or furnish any information related to an account in my name, this reporting constitutes a violation of federal law and represents fraudulent or unauthorized activity. 
Accordingly, I am demanding that your agency : XXXX. Conduct a full investigation into this Affirm, Inc. account ; XXXX. Provide written verification of the original signed contract or written authorization allegedly created by me ; and XXXX. Immediately delete this account from my credit report if verification can not be provided proving I authorized or opened the account. 
Please also provide the name, address, and contact information of the entity that furnished this Affirm , Inc. account to your bureau. 
Failure to comply with the FCRAs provisions within the time allowed under FCRA 611 ( a ) ( 1 ) will constitute noncompliance and may subject your agency and the furnisher to civil liability under 15 U.S.C. 1681n and 1681o. 
I expect written confirmation of your investigation and an updated credit report reflecting the removal of this fraudulent account within XXXX  days of your receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law.

Experian : 1. Account : XXXX XXXX o Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$1800.00} o Date Opened : XX/XX/XXXX o Issue : The account is being reported with a balance and as past due, yet I dispute this debt. The status is inaccurately showing as late and in collection.

o FCRA Violation : Reporting incomplete or inaccurate information under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

2. Account : XXXX XXXX XXXX o Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$220.00} o Date Opened : XX/XX/XXXX o Issue : The balance and late payment history reported are inaccurate.

o FCRA Violation : Failure to report accurate payment history under 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ).

3. Account : XXXX XXXX XXXX o Account Number : XXXX o Status : Repossession o Balance : {$8700.00} o Date Opened : XX/XX/XXXX o Issue : The account status indicates repossession without sufficient supporting details. I request verification of this event.

o FCRA Violation : Incomplete or inaccurate reporting under 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

4. Account : XXXX XXXX XXXX o Account Number : XXXX o Status : Collection/Chargeoff o Balance : {$970.00} o Date Opened : XX/XX/XXXX o Issue : This account was never in dispute, but the reporting is marked as disputed.

It needs verification.

o FCRA Violation : Failure to update account status under 1681e ( b ).

Data Breach Concerns : I request that you investigate these accounts to ensure that no fraudulent activity has taken place and that these accounts were not the result of identity theft or a data breach. If any of these accounts were opened as a result of a data breach, please immediately remove them and correct any related 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 2025-10-31 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:
I respectfully request that you investigate the validity of the following accounts and ensure they comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding accurate reporting and deletion of unverified items.

Account 1 : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$550.00} Dispute Reason : The balance of {$550.00} reported on this account is inaccurate and does not reflect the correct amount owed. I request TransUnion to verify the balance, payment history, and any other related data. If the information can not be confirmed, this account should be deleted from my credit report.

FCRA Violations : FCRA 607 ( b ) : Requires accurate reporting of account information.

FCRA 611 : Unverified accounts must be deleted or corrected.

Account 2 : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$380.00} Dispute Reason : The balance of {$380.00} reported for this account does not match my records. I request TransUnion to verify the accuracy of this balance and the account details. If the details can not be verified, I request the complete removal of this entry from my credit report.

FCRA Violations : FCRA 607 ( b ) : Information reported must be accurate and reflect the true financial status.

FCRA 611 : Items that can not be substantiated must be deleted.

Account 3 : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$500.00} Dispute Reason : The reported balance of {$500.00} is incorrect. The balance and status reported do not align with the actual amount owed on the account. I request TransUnion to validate the account and the balance. If this information can not be substantiated, I demand that this entry be removed from my credit report.

FCRA Violations : FCRA 607 ( b ) : The credit report must contain accurate information.

FCRA 611 : If the information can not be verified, it must be deleted

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 2025-10-31 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:
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 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 2025-10-31 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-31 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: SC

Complaint narrative:
I am filing this complaint to dispute inaccurate information reported on my credit file by the following credit bureaus. I request an investigation into the following discrepancies : Experian ( XXXX ) : Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date of Last Activity : XX/XX/XXXX Balance : {$0.00} Dispute : The account status does not reflect accurate or complete information regarding the charge-off. 

XXXX  Account Number : XXXX Date of Last Activity : XX/XX/XXXX Balance : {$4300.00} Dispute : The balance and charge-off status need to be validated. 

XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Balance : {$270000.00} Dispute : The account should be investigated for accuracy, including charge-off status and reporting of the balance. 

Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute : Please investigate the validity of this inquiry and ensure it is accurately reported.

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 2025-10-31 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: TX

Complaint narrative:
previously disputed this account with XXXX  and contacted XXXX XXXX directly. The company verified the information as accurate, but it remains misleading. I redeemed my vehicle, paid the account in full, and I still legally own the car. However, XXXX continues to report the account as a repossession, which is incorrect and damaging to my credit. I have already sent documentation and a goodwill request, but the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-10-31 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 am formally requesting the removal of this erroneous account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

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