vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report. I am requesting CFPBs assistance in ensuring these unauthorized inquiries are permanently deleted and the credit bureau complies with federal law. Enclosed are copies of my dispute letters, the FTC Identity Theft Report, proof of identification, and credit reports showing the inquiries in question.

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 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments XXXX XXXX XXXX XXXX XXXX days past due ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX as reflected on all three bureaus ( TransUnion XXXX Experian XXXX Equifax XXXX. 

This account is currently open and in good standing, and I have resumed regular monthly payments. However, the delinquencies reported between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX contain errors in timing, amount, and severity that do not match the account history I received from the lender. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) ( duty to ensure maximum accuracy ) and 1681i ( a ) ( duty to investigate disputes within 30 days ), I submitted a direct dispute to XXXX XXXX XXXX, requesting verification of the reported late payment dates and amounts. 

As of today, they have not provided documentation validating the reported delinquencies, nor corrected or removed the inaccurate entries. Continued reporting of incomplete or unverified information violates FCRA 1681s-2 ( b ) and 1681e ( b ), and may constitute willful noncompliance under 1681n.

This inaccuracy is materially damaging my creditworthiness and causing harm in access to credit. I am requesting your assistance to compel the company to provide proper documentation or remove the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to send money ( {$49000.00} ) to XXXX XXXX ( my sister XXXX XXXX XXXX on XX/XX/year> through Bank Of America XXXX confirmation number- XXXX ) I was informed that I could send more money if I send it as u.s. dollars instead Korean won. But I found out that it doesn't matter what currency I choose when I send, it's going to be converted to Korean Won regardless. I had no idea. And it's over the one day transaction limit, so they rejected my money ( don't know where is my hard earned money! it's somewhere in between at this time ) and I need to get it back as soon as possible. I went through this process once before and it took over XXXX weeks and I really hope that it won't take that long this time around. 

Action taken by company I started dispute the money transaction and claim the refund process. But I haven't heard anything from BOA and never can get hold of them to not suspend my sister 's account as recipient but wire investigation department never, not once answer the phone. I called 3 days in a row for hours each day. They'll just hang up on you after an hour. So I would love to BOA to not suspend my sister 's account ( XXXX XXXX XXXX as a recipient. So I can send her money.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have always paid on time. This reported late payment is a mistake that must be removed.

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 2025-06-05 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: ME

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. 

After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of inaccurate addresses and phone numbers in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 13 inaccurate addresses and 17 inaccurate phone numbers. The correct address that should be reporting on my credit is XXXX XXXX XXXX XXXX, SC XXXX. The correct phone number is XXXX. I do not recognize the aforementioned addresses or phone numbers as reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
This late payment is inaccurate and unjustly damaging my credit. I request immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Online company impersonating reputable retailer website was instantly reported within minutes to Credit card company. Chase Credit card company XXXX XXXX  refunded account but XXXX  months later without notification debited account. Fraud protection on credit card is not being honored and XXXX not effective in resolving issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I attempted to use my American Express {$25.00} gift card that I purchased with cash for {$28.00} at XXXX for an online purchase at XXXX who claimed they accepted American Express Prepaid cards. When the payment did not work, I attempted to use the American Express prepaid card at multiple gas stations, XXXX, and multiple online retailers such as XXXX and XXXX. All of these retailers allegedly accepted American Express and prepaid gift cards, but the payment did not go through anywhere even though the cost was always under the {$25.00} dollar balance that is still showing on the card on the American Express website. American Express claims the card will work at any online or in person retailer that accepts American Express, but this has not been true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/year>, 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 XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of accounts and fraudulent addresses and jobs opened without my knowledge. 

The following personal information is FALSE and must be REMOVED immediately : Incorrect Current Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following collection accounts are FRAUDULENT and must be DELETED immediately : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I made a purchase using Affirm at the XXXX by 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 I purchased an XXXX XXXX XXXX  and financed the transaction through Affirm , Inc . The total amount financed was {$240.00}. 

Affirm , Inc . 
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 XXXXXX/XX/year>, I returned the item in full compliance with the merchants return policy. The return was accepted at the store and a refund was processedbut Affirm has continued to bill me for the item as if it were never returned. 

Since then, I have submitted multiple disputes through Affirms online portal. However, each dispute has been closed in favor of the merchant without Affirm ever contacting the store or requesting documentation. I was never provided with a copy of the merchants response ( if one exists ), nor was any investigation or follow-up communication conducted.

Affirms repeated failure to investigate the matter has caused me financial harm, emotional distress, and the risk of credit damage. The balance remains active, despite my full compliance with both the merchants return policy and Affirms dispute process. 

To date, I have not received : A resolution of the billing issue Confirmation that the refund was received by Affirm Any documentation regarding the merchants response Any acknowledgment of my formal Notice of Dispute, sent to Affirm and copied to General Counsel XXXX XXXX I am requesting : Immediate cancellation of the remaining balance Removal of any negative credit reporting Written confirmation that the dispute is resolved A copy of all documentation provided by the merchant to Affirm regarding this matter This situation reflects a potential violation of federal consumer protection laws. I ask the CFPB to investigate Affirms failure to follow proper dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Hi my name is XXXX XXXX XXXX and I have reached out to the credit bureaus multiple times regarding the fraudulent accounts on my credit profile but they have failed to properly investigate my disputes. They have not take sufficient steps to intake, process, investigate, and notify me about my disputes, resulting in the inclusion of incorrect information on my credit reports. The inaccurate or false information on my reports has threatened my access to credit, and housing. The fraudulent accounts I have disputed countless times directly with the bureaus are : XXXX opened XX/XX/XXXX with a reported balance of {$9900.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a reported balance of {$0.00} ; and XXXX opened XX/XX/XXXX with a reported balance of {$0.00}. I have a right to a correct credit profile according to the FCRA and it has gotten to the point that I am prepared to take legal action if this matter is not resolved immediately. I have included my identification and a copy of the police report that I have already sent to the bureau. Thanks XXXX XXXX XXXX SSN Last 4 : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments XXXX XXXX XXXX XXXX XXXX days past due ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX as reflected on all three bureaus ( TransUnion XXXX Experian XXXX Equifax XXXX. 

This account is currently open and in good standing, and I have resumed regular monthly payments. However, the delinquencies reported between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX contain errors in timing, amount, and severity that do not match the account history I received from the lender. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) ( duty to ensure maximum accuracy ) and 1681i ( a ) ( duty to investigate disputes within 30 days ), I submitted a direct dispute to XXXX XXXX XXXX, requesting verification of the reported late payment dates and amounts. 

As of today, they have not provided documentation validating the reported delinquencies, nor corrected or removed the inaccurate entries. Continued reporting of incomplete or unverified information violates FCRA 1681s-2 ( b ) and 1681e ( b ), and may constitute willful noncompliance under 1681n.

This inaccuracy is materially damaging my creditworthiness and causing harm in access to credit. I am requesting your assistance to compel the company to provide proper documentation or remove the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments XXXX XXXX XXXX XXXX XXXX days past due ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX as reflected on all three bureaus ( TransUnion XXXX Experian XXXX Equifax XXXX. 

This account is currently open and in good standing, and I have resumed regular monthly payments. However, the delinquencies reported between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX contain errors in timing, amount, and severity that do not match the account history I received from the lender. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) ( duty to ensure maximum accuracy ) and 1681i ( a ) ( duty to investigate disputes within 30 days ), I submitted a direct dispute to XXXX XXXX XXXX, requesting verification of the reported late payment dates and amounts. 

As of today, they have not provided documentation validating the reported delinquencies, nor corrected or removed the inaccurate entries. Continued reporting of incomplete or unverified information violates FCRA 1681s-2 ( b ) and 1681e ( b ), and may constitute willful noncompliance under 1681n.

This inaccuracy is materially damaging my creditworthiness and causing harm in access to credit. I am requesting your assistance to compel the company to provide proper documentation or remove the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo I paid my mortgage in full and have the payoff letter to prove the mortgage was settled and I do not owe them anything. The posted a foreclosure on my report. 


XXXX I paid this HELOC in full and have the payoff letter and closing docs to prove the mortgage was settled in full as I promised to do when I signed mortgage docs. They posed a foreclosure on my report.

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