vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-20 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: PA

Complaint narrative:
Subject : Demand for Deletion of Inaccurate Account Information Under XXXX XXXX Compliance To : Whom it may concern I am writing to formally dispute the reporting of the following account under XXXX XXXX compliance standards. The information provided by Transunion & Experian is inaccurate fails to meet XXXX XXXX guidelines and accuracy requirements, and as such, I am demanding immediate removal of the account from my credit report. 

The disputed account details are as follows : Creditor : XXXX  XXXX  id # XXXX Never late and paid in full before the loan de date and Affirm receipts are attached Under XXXX XXXX XXXX, credit reporting agencies must ensure that all data furnished is accurate, complete, and compliant with industry standards. I have identified discrepancies and compliance violations within the reporting of this account, which make it eligible for immediate deletion. 

I demand that Experian & Transunion Conduct a XXXX XXXX compliance review of this account. Remove the account entirely due to its failure to meet the required accuracy and reporting standards. Provide written confirmation of the deletion within 30 days, as required under the Fair Credit Reporting Act ( FCRA ). 

If this request is not honored, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal remedies as necessary. 

I expect prompt action on this matter and a full resolution within the legally required time by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
b'I am filing a complaint to formally dispute certain information on my credit report. I have reviewed my credit file and\nFound the following items to be inaccurate and/or unverifiable.\nItem Being Disputed:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX. There were fraudulent purchases on my card. I have provided Target Card Services with all my account information showing all my purchases and the statements which don't match my transactions. This has been ongoing since XX/XX/year> and they still refuse to clear this while continuing to charge me interest and late fees XXXX. I have reason to believe my personal information has been compromised by Target. They sent a letter addressed to me but the enclosed letter belonged to someone else. Which me to believe they sent my information to the other person whos letter was enclosed in the envelope addressed to me. I reached out to inquire about this and have not heard from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a certified Debt Validation Letter to XXXXXXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXXXXXX, XXXX, GA, as listed on my credit report. XXXX returned the letter as undeliverable, indicating the address is not active. I sent a second validation letter on XX/XX/XXXX to their updated XXXX XXXXXXXX, attaching my original dispute. 

In both letters, I requested full validation of a {$3900.00} collection account allegedly related to XXXX XXXX XXXX XXXX XXXX XXXX : The original lease agreement from the start of my tenancy A full itemized breakdown of how the debt was calculated A valid assignment of the debt Proof of legal authority to collect The method of verification used to report the debt Instead of validating the debt, XXXX provided only a " Statement of Security Deposit Accounts '' and a second-year lease dated XX/XX/XXXX, which does not prove the origin of the debt or explain how the amount was calculated. They failed to provide any breakdown of the {$3900.00} balance or any legally binding documents assigning them the right to collect. 

Despite not validating the debt, XXXX continues to report the account as a closed collection with a derogatory status on my credit reports as of XX/XX/XXXX. Their response to my CFPB complaint only stated that they forwarded my dispute to the credit bureaus and that the original creditor " contends '' the debt is owed without providing any required proof or supporting documentation.

This violates : 15 U.S. Code 1692g ( FDCPA ), which requires debt collectors to cease collection unless they provide proper validation 15 U.S. Code 1681i and 1681s-2 ( b ) ( FCRA ), which require credit furnishers and bureaus to conduct a reasonable investigation and correct or delete unverifiable data I am requesting that this collection account be removed from all credit reports immediately due to XXXX XXXX XXXX  XXXX XXXX provide adequate and lawful debt validation.

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 2025-05-20 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: NJ

Complaint narrative:
A charge off account as a loan is reporting to my credit.

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 2025-05-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. 
I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Against Equifax Regarding Repeated Charge-Off Reporting on UPGRADEINC Account and Failure to Provide XXXX Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Equifax regarding the inaccurate and potentially unlawful reporting of my XXXX account # XXXX. 

Nature of the Complaint : While shopping for a vehicle, I reviewed my credit report and discovered that this XXXX account is reported as charged off for five consecutive monthsfrom XX/XX/XXXX through XX/XX/XXXX ( XXXX ). 

This repeated monthly reporting of a charge-off is misleading and appears to double-report the derogatory status of the account. A charge-off is a one-time event, not something that should be marked as occurring repeatedly. This repeated reporting creates a false impression of multiple charge-offs and unfairly impacts my credit profile. 

Furthermore, I have never received a XXXX form, which would be required by the IRS if the debt had been canceled. The absence of this form raises additional questions about the accuracy and legality of the information being reported.

Legal Concerns : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), Equifax is required to maintain maximum possible accuracy in the information it provides. 

Repeatedly reporting a charge-off month after month violates this standard and is misleading to future lenders. 

If the debt has been canceled or forgiven, a XXXX must be issued. Failure to do so may indicate a violation of both IRS regulations and consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I withdrew XXXX from my XXXX ( through my job ) I deposited XXXX into my Citibank account. Citibank then froze my account stating it was fraud. My name and job are on the check. Citibank said they couldnt very the checks were real even though my XXXX spoke with them and verified. Citibank is stating they are keeping my funds. I have the call recorded. Its been since XXXX and i need my money. Its illegal to keep my funds. Which i have proof are mine.

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 2025-05-20 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 am submitting a formal dispute regarding my Affirm Inc. installment account ( Account # : XXXX ), opened on XX/XX/XXXX, and reported to Experian as having late payments from XXXX through XX/XX/XXXX, culminating in a status of Paid, was past due 60 days. 

This derogatory information is not an accurate reflection of my intent, behavior, or what I was told by Affirm customer support. 

During the early months of XXXX, I made repeated attempts to obtain billing information and payment instructions from Affirm but was unable to receive any clear statements or account details. I did not receive monthly statements, email notifications, or payment reminders, despite affirmatively reaching out several times to resolve the issue. My calls and emails often went unanswered or redirected, and I could not access my billing information via their online portal due to unresolved system issues. 

After months of persistent outreach, I finally connected with an Affirm representative who acknowledged the lapse in communication and assured me that the account would be updated to reflect paid as agreed, never late once it was resolved. Based on that conversation, I immediately paid the full balance within approximately XXXX months, acting in full faith and with the understanding that the negative reporting would be corrected as promised. 

The current reportingstating that I was 60 days past duedoes not reflect the reality of the breakdown in communication nor the agreement I reached with Affirm at the time. More importantly, it punishes a consumer who diligently attempted to pay but was hindered by Affirms own servicing failure. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers are required to report information that is accurate and not misleading, and must investigate disputes in good faith. In this case, Affirms failure to provide billing access, combined with its subsequent assurance that the negative entries would be removed, makes the current derogatory reporting materially misleading and potentially in violation of those provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. This action alleges that XXXX  violated both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files.

2. XXXX  is one of the largest consumer reporting agencies ( CRAs ) in the country. A primary aspect of its business is collecting and organizing data on most adult Americans to generate consumer reports, consumer file disclosures, and credit scores that reflect consumers credit activity and history. As XXXX  acknowledges, its consumer reporting services play an integral part in the financial lives of millions of people.

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 2025-05-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I ran my credit and I seen some unauthorized inquirers on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I ran my credit and I seen some unauthorized inquirers on 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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting a formal complaint in regards to Cash app due to poor customer service support and misleading and negligent practices. My experience involves a failure by the company to properly safeguard my account from fraudulent activity leaving my account vulnerable and exposed. 
Despite multiple attempts to resolve this matter, I found their dispute process to be very inconsistent and unresponsive and it seems to be a robot and not a human because I get the same response every time. There is inconsistent with the protections outlined under ACT ( XXXX ) and XXXX XXXX Their lack of urgency and transparency caused me unnecessary stress and financial harm. 
I request that appropriate action be taken to address this matter and that my loss be resolved in a timely matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I am disputing a charged-off account being reported by XXXX XXXX XXXX The account was opened on XX/XX/XXXX, and is now listed as closed with a {$0.00} balance, last reported between XXXX and XX/XX/XXXX, depending on the bureau. 

Despite being paid/closed and charged off, the account continues to display multiple derogatory payment marks ( XX/XX/XXXX days late ), even though there is no active balance, no monthly payment, and no payment activity since early XXXX. 

Reporting an account as charged off with a {$0.00} balance while continuing to reflect severe delinquency can be misleading, violating FCRA Section 607 ( b ) which requires furnishers to maintain reasonable procedures to assure maximum possible accuracy.

Under FCRA Section 602 ( a ) and 611 ( a ), I am requesting a reinvestigation into this item. The continued presence of this negative item with outdated reporting dates and an inaccurate depiction of my current credit standing is harmful and misleading. 

I also request that XXXX XXXX verify and provide documentation proving the necessity and legal accuracy of the charge-off and the reporting of the late payments after closure. If they can not verify the derogatory status with documentation compliant under FCRA Section 609 ( a ) ( 1 ), the account must be removed entirely from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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 writing to formally dispute an unauthorized hard inquiry that appears on my Equifax credit report. I have not authorized any affiliated entity to perform a credit check, and as such, this inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), which mandates that credit inquiries must have a permissible purpose and explicit consumer consent. Unauthorized Inquiries Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bureau Reporting : Equifax Legal Violations : 1. FCRA 1681b ( a ) - Lack of permissible purpose : These inquiries were performed without my written authorization, violating federal law. 2. FCRA 1681c-2 - Right to block fraudulent information : Under this section, I have the right to request immediate removal of unauthorized items. 3. FCRA 1681i ( a ) - Duty to reinvestigate : Equifax must conduct a thorough investigation and remove any inaccurate or unverifiable information within 30 days. Requested Action : * Immediately delete the unauthorized inquiries from my credit report. * Provide written confirmation of the removal within 30 days. * If you believe the inquiries are valid, provide documented proof of my authorization. Next Steps if Not Removed : Failure to remove these inquiries promptly will result in the following actions : * A formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA. * Potential legal action to enforce my rights under the FCRA. This is a final request for Equifax to comply with federal law and remove the unauthorized inquiries. Please send a written response confirming the resolution to my mailing address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Equifax is inaccurately reporting an erroneous late payment in XX/XX/year> on my XXXX XXXX XXXX  account. I did not pay late and this payment is not even being reported by XXXX  nor XXXX, which proves that Equifaxs reporting is inconsistent and inaccurate!! And its affecting my ability to obtain credit due to their negligence. Equifax is required to report only accurate and verifiable information. I am demanding that this item be immediately deleted from my Equifax file. This is a violation of federal law, and it is the bureaus responsibility to ensure the accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief