vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate, misleading, and unverifiable information currently being reported on my credit file regarding the above-referenced account, pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX  ). 

Basis for Dispute : Misleading Payment History : The reported payment history indicates a " red '' derogatory status in XX/XX/XXXX with an unclear status in early XXXX, while also showing a current status as " Current '' with only {$13.00} past due and 94 % on-time payments. This inconsistency is misleading to any creditor reviewing my report. You are obligated under FCRA XXXX ( b ) to ensure information is not only accurate but not misleading in any way. This dual-reporting creates an artificially negative perception of my creditworthiness. 

Unverifiable Delinquency : The derogatory mark ( XXXX days late ) conflicts with the overall payment performance. I demand strict verification of this claim, including documented proof from the furnisher of when the payment was due, when it was received, and how the delinquency was calculated. If such data can not be verified within XX/XX/XXXXdays, you are required to promptly delete the derogatory data under FCRA XXXX. 

Violation of FCRA XXXX Reporting of Allegedly Fraudulent or Inaccurate Data : I am asserting my rights under FCRA XXXX to request the blocking of this account 's negative information if it is the result of identity theft or any unverifiable or inaccurate reporting. Given the unsubstantiated derogatory reporting, the inability to clearly identify the factual basis for the late mark, and the misleading nature of the information, I request this item be immediately blocked or removed as allowed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WI

Complaint narrative:
I was on autopay before the federal student loan forbearance period. When payments resumed, XXXX did not notify me that autopay had been deactivated, nor did they send any email alerts or direct notifications about payments being due or missed. All communication was buried inside their internal message center, which I was not regularly checking because I was relying on autopay and expecting normal notifications.

As a result, I missed several payments without knowing, and my credit score dropped from XXXX to XXXX due to reported delinquencies. Once I became aware of the issue, I immediately paid the full balance. I also reached out to XXXX via email to request a goodwill removal, but they declined, stating they only remove reporting for categories like military deployment, unemployment, or bankruptcy, which do not apply to me.

These delinquencies were not caused by neglect or financial hardship, but by a lack of proper communication from the loan servicer. I am requesting the CFPB investigate this issue and assist in having these negative marks removed from my credit report. I have documentation showing there were no direct notifications and that the balance was paid immediately upon discovery.

I am also financially able and fully willing to pay off the entire loan if needed to bring everything into full standing. My request is not to avoid repayment but to correct an unfair reporting outcome caused by a breakdown in communication, not intent or ability to pay.

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 2025-07-14 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: WI

Complaint narrative:
I was on autopay before the federal student loan forbearance period. When payments resumed, XXXX did not notify me that autopay had been deactivated, nor did they send any email alerts or direct notifications about payments being due or missed. All communication was buried inside their internal message center, which I was not regularly checking because I was relying on autopay and expecting normal notifications. 

As a result, I missed several payments without knowing, and my credit score dropped from XXXX to XXXX due to reported delinquencies. Once I became aware of the issue, I immediately paid the full balance. I also reached out to XXXX via email to request a goodwill removal, but they declined, stating they only remove reporting for categories like XXXX  XXXX, unemployment, or bankruptcy, which do not apply to me. 

These delinquencies were not caused by neglect or financial hardship, but by a lack of proper communication from the loan servicer. I am requesting the CFPB investigate this issue and assist in having these negative marks removed from my credit report. I have documentation showing there were no direct notifications and that the balance was paid immediately upon discovery. 

I am also financially able and fully willing to pay off the entire loan if needed to bring everything into full standing. My request is not to avoid repayment but to correct an unfair reporting outcome caused by a breakdown in communication, not intent or ability to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: WI

Complaint narrative:
I was on autopay before the federal student loan forbearance period. When payments resumed, XXXX did not notify me that autopay had been deactivated, nor did they send any email alerts or direct notifications about payments being due or missed. All communication was buried inside their internal message center, which I was not regularly checking because I was relying on autopay and expecting normal notifications. 

As a result, I missed several payments without knowing, and my credit score dropped from XXXX to XXXX due to reported delinquencies. Once I became aware of the issue, I immediately paid the full balance. I also reached out to XXXX via email to request a goodwill removal, but they declined, stating they only remove reporting for categories like XXXX  XXXX, unemployment, or bankruptcy, which do not apply to me. 

These delinquencies were not caused by neglect or financial hardship, but by a lack of proper communication from the loan servicer. I am requesting the CFPB investigate this issue and assist in having these negative marks removed from my credit report. I have documentation showing there were no direct notifications and that the balance was paid immediately upon discovery. 

I am also financially able and fully willing to pay off the entire loan if needed to bring everything into full standing. My request is not to avoid repayment but to correct an unfair reporting outcome caused by a breakdown in communication, not intent or ability to pay.

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 2025-07-14 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: CA

Complaint narrative:
In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX U.S.C. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} million ; XXXX v. TransUnion {$5.00} million ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX, XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX BANK 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 2025-07-14 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are not mine and must be removed. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete these fraudulent entries. Enclosed are a list of the disputed items and a copy of my Identity Theft Report from the FTC. 

Please confirm once the corrections have been made.

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 2025-07-14 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: LA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-07-14 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: CO

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 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 explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I am disputing a collection account placed by Southwest Credit Systems regarding an alleged debt from XXXX. I was never notified in writing of the debt, never given the opportunity to dispute it, and never received any documentation verifying its legitimacy. 

This account : Is not mine or is misattributed, Was reported to the credit bureaus without proper verification, Has caused damage to my credit profile, Violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Must be removed unless validated with original documentation, including the full service agreement, billing history, and signed proof of obligation.

Please assist in removing this account and holding the company accountable for improper credit reporting and unlawful collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased two round-trip flight tickets from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX on XX/XX/scrub>XXXX XXXX, 2025, using Affirm as the financing method. The total amount was {$2000.00}. Later, the airline canceled the flight, and XXXX confirmed that the full amount would be refunded.

I submitted a dispute through Affirm, explaining that I did not receive any service and that a full refund was expected. Despite this, Affirm repeatedly denied my dispute and ruled in favor of the merchant, even after XXXX and XXXX confirmed the cancellation and refund status. 

After more than four months, the refund was finally issuedbut not back to Affirm or my original payment method. Instead, XXXX returned the money as a limited-time, non-transferable travel credit to my wallet on their platform, without my consent or approval.

Because my dispute was still active, Affirms app didnt allow payment during the process. Later, due to the 120-day delay caused by this situation, Affirm charged off the loan on XX/XX/scrub> 2025, damaging my credit and causing severe emotional and financial harm.

I believe Affirm acted in bad faith, ignored the clear refund process, and prioritized its relationship with the merchant over fair consumer treatment. This entire process appears to be a backend collusion where the consumer is forced to bear all losses while both companies retain the money.

Although I never received any service, I paid the full loan amount out of pocket todayon XX/XX/XXXX, 2025after several phone calls with Affirm. I am filing this complaint with the CFPB because I believe my case was mishandled, and I request that the charge-off be removed from my credit report and that both Affirm and XXXX be held accountable.

Company response to consumer: Closed with explanation