vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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 non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I called XXXX XXXX XX/XX/year> regarding the charge off / written off account XXXX. Form 1099c was not received.

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 2025-02-26 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: GA

Complaint narrative:
I called XXXX XXXX XX/XX/year> regarding the charge off / written off account XXXX. Form 1099c was not received.

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 2025-02-26 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These alleged debts that are negatively affecting my Equifax and XXXX report do not coincide with my XXXX  report. The debt collectors of said debt continue to harass and attempt to collect on something that is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint on my own behalf, without any third-party involvement. XXXX, XXXX, and XXXX are reporting inaccurate, erroneous, and fraudulent collection information on my consumer report, including incorrect names, addresses, phone numbers, and employment details that do not pertain to me and for which I have not authorized any transactions. Attached are my statement, a copy of my identification, details of the fraudulent inquiries, and a copy of my bill to assist in verifying my identity and mailing address. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receiving : 1 ) appropriate proof of the consumer 's identity ; 2 ) a copy of an identity theft report ; 3 ) identification of the disputed information by the consumer ; and 4 ) a statement from the consumer affirming that the information does not relate to transactions made by them. 

AFFIRM INC Account numberXXXX AFFIRM INC Account numberXXXX AFFIRM INC Account numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
My credit card was used used to purchase XXXX airplane tickets. These tickets were not purchased by me and when I contacted the airlines they verified that they were not for me and marked as fraud. 
I asked CapitalOne to investigate them and they sent me a letter that they did and they were not fraud. I asked them if they actually investigated it and asked if this call is being recorded, which they said yes. 
I repeated that I contacted the airlines and the tickets were not purchased by me. I said that I would like to to escalate my request to have the charges reversed. 
The Service Rep said I will go ask. I waited for a few minutes and he returned and said that I had waited to long to report this so I was responsible. 
I did not wait to long. 
The letter I received from clearly stated that the charges were investigated and they were valid. They did not investigate the charges. 

The charges were for a total of {$3500.00} and occurred between XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
A careful review of my credit record revealed concerning late payment entries that remain unresolved despite my previous attempts to address them. More than 30 days have passed since I sent letters requesting validation of these entries, yet I have received no response or satisfactory explanation. This lack of communication and proper validation raises serious questions about the accuracy of these reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I looked at my credit report back on XX/XX/XXXX and noticed some things were reported incomplete and inaccurate on ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX Upon realizing these inaccuracies I sent EXPERIAN a re-investigation dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN verified this account as accurate. Clearly violating 15 U.S.C. 1681i ( a ) ) EXPERIAN continued reporting. This account is reporting inconsistent payment history along with many other inconsistencies across the XXXX major credit bureaus. According to EXPERIAN this account charged off XX/XX/XXXX, however XXXX states this account charged off XX/XX/XXXX. EXPERIAN is also reporting an inconsistent payment history. EXPERIAN states XX/XX/XXXX as THE DATE OF LAST PAYMENT but also reflects Current / Terms met in the payment history for XX/XX/XXXX. That's clearly impossible. XXXX also states that this account closed XX/XX/XXXX AND EXPERIAN states this account was XXXX  days late XX/XX/XXXX. This account has been closed since XXXX it should not demonstrate an active payment history. EXPERIAN states this account was XXXX  days late XX/XX/XXXX but XXXX XXXX XXXX  days late. CLEARLY inconsistent dates. On XX/XX/XXXX I sent EXPERIAN a Method of Verification Dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX requesting the information and documentation used to verify this account as accurate. EXPERIAN failed to provide this information violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). On XX/XX/XXXX I sent EXPERIAN another dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN ONCE again verified the account as accurate despite my numerous attempts to rectify this issue. EXPERIAN has violated 15 U.S.C. 1681e ( b ) ). Despite my several attempts to remove this account for reporting inaccurately EXPERIAN CONTINUES TO REPORT this erroneous incomplete and clearly inaccurate information. XXXX has already DELETED this account from my credit report as a result of not being able to verify its accuracy. In the supporting documentation I am attaching a copy of this documentation.

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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I was shocked to find accounts on my credit report that I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely unacceptable and must be corrected immediately. I need to know how this happened and why my report contains inaccurate information that is harming my financial profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$790.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX Date XX/XX/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 2025-02-26 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: LA

Complaint narrative:
XXXX XXXX company has been reporting a credit card as open account on my credit report that has been closed for XXXX years now. It is illegal to be reporting a account that's closed on my credit report that's not accurate. Any information being reported to my credit report that has any discrepancies has to be deleted immediately. I am no longer responsible for this debt with XXXX XXXX I am asking this company to delete this from all three credit bureaus asap. That include Experian, Transunion, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 listing 1 account Fraudulent from my Experian and Equifax Credit Report. XXXX XXXX XX/XX/scrub>XXXX  Listed account do not belong to me and must be removed from my Experian and Equifax Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Experian and Equifax to mark this account fraudulent and remove from both of my Credit bureaus.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 3 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently checked my credit reports and found the following fraudulent inquiries : 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 non-monetary relief
Consumer complaint received 2025-02-26 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: IN

Complaint narrative:
I am aware of the lawsuits that were successful against Equifax and Experian for their fraudulent and incomplete investigations into credit report disputes. I am requesting assistance with my own credit report due to negligence from the 3 major credit bureaus. 


Timeline of Disputes & Communications : XXXX : Initial disputes filed with Experian regarding incorrect late payments and unauthorized account closures. 

XXXX : Follow-up disputes submitted after receiving unsatisfactory responses from credit bureaus. 

XXXX : Additional disputes filed, requesting reinvestigation due to lack of thorough review. 

XXXX : Submitted formal letters to creditors demanding validation and correction of incorrect information. 

XX/XX/XXXX : Decided to escalate the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to continued inaccurate reporting and incomplete investigations. 

Key Communication Attempts : Multiple online disputes submitted through Experian, Equifax, and TransUnion portals. 

Formal dispute letters sent to creditors via certified mail requesting debt validation and removal of inaccuracies. 

Phone calls made to credit bureaus requesting updates and thorough reinvestigation. 

Responses received were generic, with no evidence of a complete investigation into the disputed items. 

Request for account closure notifications and evidence of proper communication from creditors ignored 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 explanation
Consumer complaint received 2025-02-26 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: Atlanticus Services Corporation
State: ID

Complaint narrative:
Fortiva is falsely stealing money from our XXXX  family member and will not remove information Very unremorseful company with no empathy towards XXXX. Make false claims and negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These transaction went through even when I told them to decline because it was fraudulent they still pushed it through. Because my phone would notify about transaction I wasnt making so anytime this happened I reached out to them immediately and asked them to not let it go through because its not me making the transaction

Company response to consumer: Closed with explanation