vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/year> * * Experian * XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX * * Re : Dispute of Reported Account Request for Validation * * To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information being reported on my Experian credit file regarding the following account : * XXXX XXXX XXXX * Account Number- XXXX Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i * *, I am requesting that Experian conduct a reasonable reinvestigation of this account. I have reason to believe that the information reported may be inaccurate, incomplete, or unverifiable. 
Specifically, I request that Experian obtain from XXXX XXXX XXXX the following documentation to validate this account : XXXX. A complete copy of the original contract or agreement bearing my signature. 
XXXX. A full account-level history including all charges, payments, interest, and fees. 
XXXX. Documentation establishing XXXX XXXX XXXX ownership or legal right to collect on this account. 
XXXX. Any records demonstrating that the account is being reported accurately, in compliance with the FCRA. 
If Experian is unable to obtain proper validation from XXXX XXXX XXXX, you are required under * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * to delete this account from my credit file and provide me with written confirmation of the results of your reinvestigation. 
Please also provide me with the name, address, and telephone number of each furnisher of information that you contacted regarding this dispute, as required by * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *.

I request that you complete this reinvestigation within the 30-day period allowed by law and provide me with written notice of your findings.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
While applying for a mortgage to purchase a home, I was shocked to discover multiple unauthorized and fraudulent accounts appearing on my credit reports. These accounts were not opened by me, and I have no knowledge of the creditors, transactions, or any associated activity. 

The appearance of these fraudulent accounts caused significant harm to my credit profile and was a source of embarrassment and emotional distress, especially given the timing during a major financial event. These inaccuracies are preventing me from moving forward with the homebuying process and are impacting my financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information in my credit file, and the credit reporting agencies are required to conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving my dispute. 

Additionally, under 15 U.S. Code 1681c-2, I have the right to request a block of fraudulent information resulting from identity theft. I have previously contacted the credit reporting agency and the data furnisher, but the issues remain unresolved or insufficiently addressed.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge 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: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
I called in XXXX to report a balance transfer I didn't make or authorize Below is the details of this XX/XX/year> Balance transfer. {$7000.00} I recently logged into online banking and saw that my dispute had been denied even after a request to revalaute and a demand of the documents used to deny this claim. 
If the bank does provide documents they will prove I never made any balance transfer. 
But they have to provide documents becuase i am requesting them under the fcra. 
They refuse to say where this supposed balance transfer went becuase it is fraudlent. 

I demand fnbo actually investigate my claim and provide the evidence they are using to deny my claim. 



Under the fair credit billing act, I cant be held responsible for transfers I didn't authorize. 

I first called in to report this fraudlent activity as soon as I became aware of it in XXXX and sent letters in XX/XX/XXXX and XX/XX/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 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint because my credit report is currently showing inaccurate and unauthorized information that is causing me harm. 
First, there is a charge-off account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}. This account is being reported in violation of 15 U.S. Code 1681c [ FCRA 605 ( a ) ], which limits the reporting of obsolete or outdated adverse information. Since the account no longer carries a balance, its continued appearance is misleading and damaging. 
Second, my credit report lists XXXX collection accounts : XXXX XXXX XXXX XXXX XXXX  with a balance of {$18000.00} XXXX XXXX  and XXXX XXXXXXXX with a balance of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} These collections were not authorized by me. Under 15 U.S. Code 1681c-2 [ FCRA 605B ], I have the right to block information that is the result of identity theft or unauthorized activity, and I am requesting that these accounts be removed. 
Finally, I have discovered unauthorized inquiries from XXXXXXXX XXXX XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I never gave permission for these entities to access my credit report. The Fair Credit Reporting Act states that a consumer report may only be obtained for a permissible purpose under 15 U.S. Code 1681b ( a ) [ FCRA 604 ( a ) ], and obtaining a report without such authorization may constitute a violation of 15 U.S. Code 1681q [ FCRA 619 ], which prohibits obtaining reports under false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint because my credit report is currently showing inaccurate and unauthorized information that is causing me harm. 
First, there is a charge-off account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}. This account is being reported in violation of 15 U.S. Code 1681c [ FCRA 605 ( a ) ], which limits the reporting of obsolete or outdated adverse information. Since the account no longer carries a balance, its continued appearance is misleading and damaging. 
Second, my credit report lists XXXX collection accounts : XXXX XXXX XXXX XXXX XXXX  with a balance of {$18000.00} XXXX XXXX  and XXXX XXXXXXXX with a balance of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} These collections were not authorized by me. Under 15 U.S. Code 1681c-2 [ FCRA 605B ], I have the right to block information that is the result of identity theft or unauthorized activity, and I am requesting that these accounts be removed. 
Finally, I have discovered unauthorized inquiries from XXXXXXXX XXXX XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I never gave permission for these entities to access my credit report. The Fair Credit Reporting Act states that a consumer report may only be obtained for a permissible purpose under 15 U.S. Code 1681b ( a ) [ FCRA 604 ( a ) ], and obtaining a report without such authorization may constitute a violation of 15 U.S. Code 1681q [ FCRA 619 ], which prohibits obtaining reports under false pretenses.

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 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I was recently contacted about an alleged debt being reported by Amsher Consumer Services. I was never notified, contacted, or sent any documentation regarding this account before it appeared as a collection attempt. I have never authorized, opened, or incurred this debt, and it is in no way connected to me.

Amsher has failed to provide any account number, statement, or proof of obligation. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to properly validate debts and provide written notice. Instead, they have attempted to collect a debt that does not belong to me and failed to provide the required information.

Month ago I disputed this directly with Amsher over the mail and fax and demanded full validation. To date, they have not provided any documentation showing that this debt is legitimate or connected to me. This has caused unnecessary stress and raises serious concerns about their practices in reporting and collecting unverified debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-22 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: OK

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to late payments and a charge-off that are incorrectly reported following my XXXX XXXXXXXX bankruptcy filing. 

1. Inaccurate Late Payments After Bankruptcy Filing I filed for XXXX XXXXXXXX bankruptcy on XX/XX/year>, and my accounts were not delinquent at the time of filing. My credit report currently reflects 20+ late payments that allegedly occurred after this date. Upon reviewing my accounts, I found that 99 % of them show Never Late or do not indicate any missed payments. I request a detailed investigation into the origin of these late payment notations and their immediate removal if found inaccurate. 

XXXX. XXXXXXXX XXXX Misreported Charge-Off XXXXXXXX XXXX  was included in my XXXX XXXXXXXX bankruptcy plan. However, the account is still being reported as a charge-off, and XXXX XXXX has failed to update the status or respond to previous disputes. This is a violation of the Fair Credit Reporting Act ( FCRA ) and bankruptcy protections.

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 2025-08-22 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 writing to formally dispute inaccurate information on my credit report related to late payments and a charge-off that are incorrectly reported following my XXXX XXXXXXXX bankruptcy filing. 

1. Inaccurate Late Payments After Bankruptcy Filing I filed for XXXX XXXXXXXX bankruptcy on XX/XX/year>, and my accounts were not delinquent at the time of filing. My credit report currently reflects 20+ late payments that allegedly occurred after this date. Upon reviewing my accounts, I found that 99 % of them show Never Late or do not indicate any missed payments. I request a detailed investigation into the origin of these late payment notations and their immediate removal if found inaccurate. 

XXXX. XXXXXXXX XXXX Misreported Charge-Off XXXXXXXX XXXX  was included in my XXXX XXXXXXXX bankruptcy plan. However, the account is still being reported as a charge-off, and XXXX XXXX has failed to update the status or respond to previous disputes. This is a violation of the Fair Credit Reporting Act ( FCRA ) and bankruptcy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-08-22 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:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B. Despite this, Experian failed to block the fraudulent information within four business days, as required by law. 
Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-08-22 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: MD

Complaint narrative:
URGENT FORMAL DEMAND FOR INVESTIGATION UNLAWFUL CREDIT REPORTING OF XXXX ACCOUNTS AND QUESTIONABLE LEGAL AUTHORITY OF EQUIFAX I AM FILING A FORMAL COMPLAINT AGAINST EQUIFAX FOR ILLEGAL, FRAUDULENT, AND HARMFUL CREDIT REPORTING PRACTICES THAT HAVE RESULTED IN SEVERE DAMAGE TO MY FINANCIAL PROFILE. THESE PRACTICES INCLUDE BOTH FALSE DELINQUENCY REPORTING AND SYSTEMIC ABUSE OF CREDIT REPORTING GUIDELINES. THE FOLLOWING STUDENT LOAN ACCOUNTS, SERVICED BY XXXX AND REPORTED UNDER THE DEPARTMENT OF EDUCATION ( DEPT OF ED ), ARE BEING REPORTED BY EQUIFAX AS XXXX TO 180 DAYS PAST DUE AS OF XX/XX/year> : - {$1700.00} - {$770.00} - {$1300.00} - {$1400.00} - {$1900.00} XXXX IS NOW REPORTING A RECENT DELINQUENCY IN XXXX, WHICH IS FACTUALLY AND LEGALLY IMPOSSIBLE. THIS CONSTITUTES 'REAGING " A PRACTICE EXPRESSLY PROHIBITED UNDER : 1. FCRA 623 ( a ) ( 5 ) WHICH REQUIRES REPORTING OF THE ORIGINAL DATE OF FIRST DELINQUENCY ( DOFD ) 2. FCRA 607 ( b ) WHICH REQUIRES THE USE OF MAXIMUM POSSIBLE ACCURACY IN CREDIT REPORTING 3. METRO 2 GUIDELINES WHICH FORBID THE UPDATING OF DEROGATORY ACCOUNT STATUS WITHOUT A NEW TRIGGERING EVENT IN ADDITION TO THESE RECKLESS CREDIT REPORTING PRACTICES, IT MUST BE NOTED THAT EQUIFAX IS A PRIVATE, FOR-PROFIT CORPORATION THAT HAS NEVER BEEN GRANTED A STATUTORY MANDATE OR CONSTITUTIONAL AUTHORITY TO ACT AS A NATIONAL CREDIT BUREAU XXXX TO DATE, NO CONGRESSIONAL LAW OR FEDERAL AGENCY HAS ISSUED EQUIFAX THE LEGAL RIGHT TO MONITOR, STORE, OR DISTRIBUTE SENSITIVE CONSUMER CREDIT DATA. EQUIFAX OPERATES WITHOUT A LEGISLATIVE CHARTER, REGULATORY LICENSE, OR PUBLIC ACCOUNTABILITYYET WIELDS IMMENSE POWER OVER CITIZENS ABILITY TO OBTAIN HOUSING, EMPLOYMENT, TRANSPORTATION, AND CREDIT. THIS IS A DANGEROUS CONSTRUCT THAT REQUIRES IMMEDIATE SCRUTINY AND OVERSIGHT. I AM DEMANDING THAT THE CFPB : - IMMEDIATELY INVESTIGATE THE FALSE CREDIT REPORTING OF THE ABOVE XXXX ACCOUNTS - ORDER THE REMOVAL OF THESE ACCOUNTS FROM MY EQUIFAX CREDIT REPORT - EXAMINE THE LEGAL BASIS ON WHICH EQUIFAX CONTINUES TO OPERATE AS A CREDIT REPORTING AGENCY SHOULD THESE ACTIONS NOT BE TAKEN PROMPTLY, I AM PREPARED TO ESCALATE THIS TO THE FEDERAL TRADE COMMISSION ( FTC ), THE MARYLAND ATTORNEY GENERAL, THE MEDIA, AND IF NECESSARY, PURSUE LITIGATION FOR DAMAGES UNDER FCRA 616 AND 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
The company is Affirm. 
I made a purchase for a XXXX XXXX. {$510.00} I made this purchase XX/XX/XXXX. I canceled my flight in the XX/XX/XXXX. I had to call Affirm multiple times regarding the refund and when I was going to receive it. The first check I received on XX/XX/XXXX was for {$48.00}. The second for XXXX, I received XXXX. Deposited both checks. They came back returned from my bank. Over draft fees and my account is currently in the negative due to Affirm 's checks not clearing. I called my bank they said it couldn't be processed. I immediately contacted Affirm. The first agent I spoke with was thru chat, he had no idea what returned check was. I ended the chat and called. The agent took my information and escalated. I received communication thru secure mail sending documentation. XXXX business day. I call to follow up after XXXX  days, XXXX  agent asks what's your issue? I explained I have a case open and wanted to know if there was a resolution. The agent wanted me to tell the issue all over again for the XXXX time. Told the agent I want a XXXX. I'm infuriated by this time, my bank acct is still in the negative. I can't pay bills ect. I get a XXXX, XXXX, wanting me to explain. Then tells me I see your case here. Then why did you ask? She says I'll escalate with a high priority. You should hear back, again XXXX days. THIS IS UNACCEPTABLE, AND MAYBE FRAUD.

Company response to consumer: Closed with explanation