vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

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 2025-10-24 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: FL

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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover Bank has allowed third party companies to display my credit card debit on XXXX. I own a business. When I XXXX  my name their debit shows up from a judgement. I asked the company to take it down. I have been dealing with my personal information being XXXX  online for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-10-24 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:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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 2025-10-24 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: TX

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 non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I booked a vacation rental through XXXX, managed by XXXX XXXX, and financed it with Affirm. When I arrived, the property was misrepresented and uninhabitable due to a non-functional XXXXXXXX XXXX, despite being listed as fully air-conditioned. I immediately contacted XXXX with photos. 

XXXX confirmed that the merchant approved a full refund, and I submitted three PDF files to Affirm proving this. Despite that, Affirm denied my dispute, falsely claiming the merchant provided compelling evidence. 

I contacted Affirm via live chat and phone, and their agent acknowledged that per Affirms policy, a merchant-approved refund should close the loan. I was told to waitbut shortly after, Affirm denied my dispute again, ignoring their own rules and the merchant refund approval already on file. 

Affirm ignored multiple valid support requests sent via their XXXX XXXX in XX/XX/year>. My dispute involved an uninhabitable vacation rental ( XXXX fully non-functional ), which the merchant ultimately confirmed and approved for refund. Despite this, Affirm refused to close the loan and has since reported me to Experian, knowingly violating the FCRA while failing to uphold their own refund-based dispute policies. I am requesting a formal investigation into Affirm and its handling of this dispute. 

To make matters worse, Affirm reported the loan as XXXX days delinquent to Experian XXXX even though the dispute was active and unresolved. This has now damaged my credit, dropped my score, and jeopardized my small business loan after nearly 2 years of working to qualify. 

This situation is deeply unjust. I am being held financially responsible after the merchant approved a refund, violating Affirms own dispute terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I have inquiries on my report that were not requested by me on all XXXX buraus XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX Identity theft accounts XXXX XXXX ; Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Equifax Inquires XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX ACCOUNT Advantage Credit / MortgagXXXX XXXX XXXX XXXXXX/XX/XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TransUnion Inquiries Mortgage XXXX XXXX XX/XX/XXXX Fraudulent Account XXXX XXXX  ; Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CO

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally reportXX/XX/XXXX failure to address my dispute regarding inaccurate personal information on my credit report, originally submitted on XX/XX/2025. Despite providing valid proof of my identity, including a government-issued ID, utility bill, and Social Security card , XX/XX/XXXX has not removed the erroneous names and addressesXX/XX/XXXXXXXX XXXX XXXX RUMMINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXXwhich do not belong to me and have never been part of my residence history. This inaction raises serious concerns aboutXX/XX/XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which requires timely and thorough investigation and correction of disputed information.

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 2025-10-24 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: MI

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 2025-10-24 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: MI

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 non-monetary relief
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-24 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 Whom It May Concern, this complaint is being filed because the credit reporting agencies and data furnishers have reported false, incomplete, and unverified information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an immediate investigation, deletion, and proper correction of these items as they are damaging my creditworthiness and reflect serious violations of my consumer rights under federal law. 

ADDRESS XXXX XXXX XXXX XXXX, WA XXXX These address is inaccurate and not my residence. Reporting false addresses violates FCRA 607 ( b ) and 611 ( a ). Please remove them immediately.

The repeated publication of inaccurate and unverified information after disputes have been filed demonstrates willful disregard of consumer protection law. I have made several good faith attempts to resolve these issues directly with the credit bureaus, yet they continue to report unverifiable data. I am requesting that the CFPB intervene, compel proper verification from the furnishers, and ensure all unverified or unauthorized information is permanently deleted.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had two separate refund disputes through Cash App with the same person ( XXXX XXXX ) for {$100.00} each. One transaction from XX/XX/XXXX, was approved and refunded to my balance on XX/XX/XXXX, but the other transaction from XX/XX/XXXX, was denied for identity unverified and potentially fraudulent I verified my identity multiple times over the phone with Cash App representatives, yet I received an email stating my account was closed because I didnt verify identity. That makes no sense given that I had already verified myself, and one identical dispute was approved.

I believe this was an internal mistake or system error, and my account was wrongfully closed. I simply want Cash App to review my denied {$100.00} dispute again and confirm that both claims were handled fairly and according to policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Subject : Avant , Inc. continues to furnish inaccurate and unlawful credit information after selling my account to XXXX XXXX, XXXX Summary of Issue : Avant , Inc. is continuing to report an account ( Loan No. XXXX ) as a charged-off account on my credit report, even though Avants own system confirms the account was sold to XXXX XXXX XXXX XXXX. Once Avant sold the loan, they ceased to be the creditor, servicer, or furnisher of record and therefore lost any permissible purpose under the Fair Credit Reporting Act ( FCRA ) to report or furnish information about this account. 

Detailed Description : * My Avant dashboard clearly shows : Your account has been sold to XXXX XXXX, XXXX. ( Screenshot attached ) * Despite this, Avant continues to furnish the account toXX/XX/XXXX as Charged Off, with a reported balance of {$1200.00} as of XX/XX/year>. 
* This continued reporting is false and misleading under 15 U.S.C. XXXX ( b ), which requires furnishers to correct or delete information that is inaccurate or incomplete. 
* Because Avant sold the account and is no longer the owner or servicer, Avant has no permissible purpose under XXXX of the FCRA to access, furnish, or verify any information about this loan. 
* XXXX XXXX, XXXX has also failed to provide any lawful proof of debt or chain of title, leaving me without verified evidence that either company has standing to report this debt. 

Actions Taken : I emailed Avants resolutions departments ( XXXX and XXXX ) formally disputing their continued furnishing of this tradeline and demanding deletion under XXXX ( b ) .Avant confirmed receipt of my email but has not provided any response or corrective action. ( Email confirmation attached. ) Harm : This inaccurate and unlawful reporting has negatively impacted my creditworthiness and caused emotional distress, as it falsely represents that I owe a debt to a company that no longer owns the account. It also creates duplicate or conflicting information if Velocity reports the same account. 

Requested Resolution : I request that the CFPB require Avant , Inc. to : XXXX. Immediately delete this tradeline from all consumer reporting agencies ( XX/XX/XXXX, andXX/XX/XXXX). 
XXXX. Cease all furnishing activity related to sold accounts that they no longer own or service. 
XXXX. Provide written confirmation of the deletion and compliance with XXXX ( b ). 
XXXX. Investigate Avants internal reporting practices to ensure future compliance. 

Supporting Evidence ( Attached ) : * Screenshot from Avant dashboard confirming sale to XXXX XXXX, XXXX. 
* Credit report screenshots from XX/XX/XXXX and XXXX XXXX showing Avant still reporting as a charged-off account. 
* Email correspondence with Avant Resolutions confirming receipt of dispute. 

Consumer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
To Whom It May Concern, this complaint is being filed because the credit reporting agencies and data furnishers have reported false, incomplete, and unverified information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an immediate investigation, deletion, and proper correction of these items as they are damaging my creditworthiness and reflect serious violations of my consumer rights under federal law. 

ADDRESSES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  WA XXXX These address is inaccurate and not my residence. Reporting false addresses violates FCRA 607 ( b ) and 611 ( a ). Please remove them immediately. 

ACCOUNT XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off XXXX XXXX  Reporting a charge-off with a {$0.00} balance is inaccurate and unverifiable, violating FCRA 607 ( b ) and 609 ( a ) ( 1 ). I never received proof of charge-off notice under FCBA. Delete this account. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Both inquiries were unauthorized. No application or consent was given. Violates FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ). Remove these inquiries immediately.

The repeated publication of inaccurate and unverified information after disputes have been filed demonstrates willful disregard of consumer protection law. I have made several good faith attempts to resolve these issues directly with the credit bureaus, yet they continue to report unverifiable data. I am requesting that the CFPB intervene, compel proper verification from the furnishers, and ensure all unverified or unauthorized information is permanently deleted.

Company response to consumer: Closed with non-monetary relief