vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
TransUnion is currently reporting a series of inquiries that I did not initiate nor authorize, which raises serious concerns about the protection and handling of my consumer file. I noticed entries including an inquiry from XXXX dated XX/XX/XXXX, XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, and multiple inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, XXXX XXXX appears repeatedly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while XXXX XXXX also conducted multiple inquiries on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX is also reflected multiple times, with inquiries dated XX/XX/XXXX and XX/XX/XXXX. These inquiries, particularly the duplicated and clustered entries from mortgage and auto lenders, suggest a systemic issueeither from data mishandling or an unauthorized sharing of my information during a time I was not actively pursuing credit. This is an apparent violation of 15 USC 1681b, which outlines permissible purposes for accessing consumer reports, and 15 USC 1681e ( a ), which places a duty on the bureau to maintain strict procedures to ensure such access is legally justified. The excessive number and frequency of inquiries, without my explicit consent, indicate that TransUnion may have failed to maintain adequate oversight and proper security of my file, likely due to a data breach or an internal process 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this formal complaint against Transworld Systems , Inc. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, Transworld Systems , Inc. opened a collection account in the amount of {$940.00}. This account was reported to the credit agencies without my knowledge, consent, or legal authorization. I formally disputed the validity of this account on XX/XX/year>. 
Pursuant to 15 U.S. Code 1692g ( c ) of the FDCPA, a consumers failure to dispute a debt may not be construed as an admission of liability. Despite this, Transworld Systems , Inc. proceeded to report the alleged debt, despite lacking legal authority to collect it under Texas Finance Code 392.101, having failed to provide proof of assignment or any contract granting them such rights.

Transworld Systems , Inc. is in violation of the following federal statutes : -15 U.S. Code 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of the alleged debt.

-15 U.S. Code 1692e ( 8 ) : Communicating false credit information without lawful authority.

-15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or incomplete information to consumer reporting agencies.

-15 U.S. Code 1681s2 ( b ) : Failing to conduct a reasonable investigation after receiving notice of a dispute.

-18 U.S. Code 1028 : This debt is a product of identity theft, and its creation, use, and reporting represent a violation of federal identity theft protections under the Identity Theft and Assumption Deterrence Act To date, Transworld Systems , Inc. has failed to provide any documentation validating the legitimacy or origin of this alleged debt. Their continued reporting has harmed my credit profile, caused undue stress, and resulted in reputational damage.

I respectfully request that the CFPB investigate these violations and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AZ

Complaint narrative:
All three bureausXXXX XXXX and Equifaxare reporting a closed auto loan from XXXX XXXX XXXX ( account number XXXX ) that is now at a {$0.00} balance but still shows historical late payments. This reporting is both outdated and unfair, as the account is no longer active and any alleged late payments occurred in a time frame where recordkeeping and data verification were extremely susceptible to breach-related distortions. Under 15 USC 1666b, creditors and the bureaus must accurately reflect a consumers payment history in the context of fair billing practices. Keeping negative payment history attached to a closed, {$0.00} balance account is misleading and harmful, especially when theres no current obligation due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: FL

Complaint narrative:
I am filing a formal dispute against the Sezzle Inc account reporting to my XXXX credit file. 
The account reports a charge-off status ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, which is a XXXX XXXX violation and creates the effect of re-aging, damaging my score unfairly.

It also lists the balance as written off and charged off, while still showing the entire {$150.00} as past due, which is misleading and non-com
pliant under FCRA 623 ( a ). 
My XX/XX/XXXX payment is also missing from the payment history. 

I request that this account be removed entirely from my report if XXXX XXXX and FCRA compliance can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I submitted a goodwill request to Synchrony Bank ( Venmo ) regarding some past late payments. After this request, my credit report was updated not with improvements but with new negative marks that were not previously there, including at least one completely inaccurate change. 

Specifically, XX/XX/XXXX was originally reported as On Time, but after my goodwill letter, it was changed to 30 Days Late. This is a factual inaccuracy, and no new payments or events occurred during that time to justify a retroactive change. This alteration appears retaliatory in nature. 

Additionally, months that were previously marked as ND ( No Data ) including XXXX and XX/XX/XXXX were suddenly changed to late payments after the goodwill letter, even though these months had no new activity or documentation to support a change. This is a violation of the FCRA, which prohibits furnishing false or unverifiable information. 

I am requesting that Synchrony Bank be investigated for unfair credit reporting practices, that XX/XX/XXXX be required to correct or delete the tradeline if it can not be verified accurately, and that the FCRA be enforced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card after I reported to them it was stolen. I provided them the police report and the ftc reports as required. Not only did they close my credit card they denied my fraud claims. I want my denied claims reopened and approved as they are legitimate claims covered under there purview and guidelines and lastly I want my credit card reopened immediately and a new card shipped 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 explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>2025, I financed a {$4900.00} dog training program using Affirm. The merchant, XXXX XXXX XXXX, XXXX ( owned by XXXX XXXX ), canceled the training program before providing any services. Despite confirming the cancellation and agreeing to issue a refund, the merchant later refused to process it unless my wifewho never signed the original contract, was not a party to the agreement, and did not finance the purchasesigned a legal release. 

This condition was introduced only after the cancellation and is not part of the original agreement. I paid for services that were never delivered, and I am now being charged monthly by Affirm even though the merchant has failed to follow through on the refund. I have provided Affirm with documentation showing that no services were rendered and that the refund is being improperly withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602. I have a right to privacy under 15 USC 1681604 a section 2. It also states that consumer reporting agency can not furnish, an account without my written instruction under section 1666B. A creditor may not treat a payment on a credit card account and youre an open and consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NV

Complaint narrative:
Inquiry Date Creditor Reported On XX/XX/year> XXXX XXXX Equifax XX/XX/year> XXXX XXXX XXXX  XXXX Equifax XX/XX/year> XXXX XXXX XXXX  XXXX Equifax XX/XX/year> XXXX XXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX  Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXk Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX Experian, Equifax, XXXX XXXXXX/XX/year> XXXX XXXX XXXX Experian, Equifax, XXXX 4. Supporting Documentation FTC Identity Theft Report No. XXXX ( attached ) XXXX PD Report No. XXXX ( attached ) 5. Request Delete all inquiries listed above from my Equifax file. 
Do not place any fraud alert or credit freeze ; I will manage freezes myself. 
6. Statutory Rights & Timeline FCRA 611 requires completion of your investigation within 30 days. Unverifiable items must be removed, and I must receive written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX  is reporting my Amex account as Charged Off in XXXX 2025. 
Facts : I paid the full {$8000.00} balance in XX/XX/year> ( no settlement ). 
Dispute : I provided XXXX proof via Amex email showing the account was Paid in Full per Amex. XXXX refuses to update, citing a notary-confirmed report from Amex. 
Issue : Amex is reporting as Paid Closed Charged Off.

Amex Collections : I spoke with Amex who confirmed I paid in full under a new agreement. Amex advised a charge-off means it was paid.

I explained that a Charge off is a non-collected account therefore since I paid the balance off in full Amex should not have reported on my credit as a charge off just because I was late. At the end I paid the full amount off in XX/XX/year> of $ XXXX as agreed under our agreement. 

CFPB help correct this. I have the proof and can share with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
Alert came up on my phone informing me of an inquiry to my Equifax credit report. I reached out to correct the issue. A dispute with number XXXX was opened with Equifax but was not followed thru on. This is a formal complaint to have the inquiry removed. I did not apply to anything. This is on the heels of XXXXXXXX XXXX rep contacting me saying a person in XXXX XXXX tried to open an account in my name. i live in XXXX. The new inquiry needs to be removed. Equifax credit report XXXX. XXXX XXXX XXXX XXXX XXXX, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of several unauthorized hard inquiries on my Experian credit report. I did not authorize these credit inquiries, nor have I applied for credit with these entities on or around the listed dates. I contacted each creditor and confirmed that they have no record of a credit application or account associated with my information. 

Please investigate and remove the following hard inquiries from my credit file : XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX These hard inquiries are having an adverse effect on my credit profile, and I respectfully request that you remove them in compliance with the Fair Credit Reporting Act ( FCRA ), as they were not authorized by me. 

Please provide written confirmation of your findings and a corrected copy of my credit report upon completion of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
XXXX XXXX XXXX is illegally reporting a debt ( Account XXXX. XXXX ) on my Experian and TransUnion credit reports without providing validation. This debt is unverifiable, and I have not received any proper notice or proof as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, 15 U.S.C. 1681e ( b ), companies must ensure maximum possible accuracy. Reporting an unvalidated or potentially inaccurate debt violates this standard.

The courts have affirmed that even technically accurate but misleading information may violate the FCRA. See Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ). 
XXXX XXXX has not provided any documentation showing a legal right to collect on this debtsuch as a chain of title or original agreementand continues to report it, causing damage to my credit. 
I request the CFPB investigate and direct XXXX XXXX to remove this account from Experian and TransUnion immediately, or provide complete, original validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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