vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$19000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX - XX/XX/XXXX - {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Me and my fianc paid last year between XXXX XXXX XXXX  and we havent seen any done yet all I want is for them to fix our credit we are trying to do better but how can we and nothing is getting done for us please help us to get it right please

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 2025-05-13 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I called and told them l didn't buy anything .To show me proof that i purchased something I didn't know what I bought. show me a signature or a contract they didn't provide anything they just say that it is mine what service did they provide I didn't get anything.i can understand if got something but I didn't receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
To whom it may concern. 
I recently checked my new report on your website and discovered several hard inquiries that I have no connection with. I see that my personal data has been stolen and someone has used it to obtain financing in my name. I kindly request your assistance in removing these inquiries, as they are unauthorized, and I did not give consent to these companies to check my credit report. 

I will list all the inquiries that were made because of the identity theft : 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 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/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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
Ive been receiving repeated spam calls from a company identifying themselves as Aldous and Associates. The calls come from different phone numbers even after I block them. The voicemail says something like This is XXXX XXXX calling from XXXX XXXX XXXXXXXX. Please contact but doesnt give any clear reason for the call. I have no business relationship with them and dont owe any debt Im aware of. I believe this is a scam or unlawful debt collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX, I was home sick with XXXX and unaware of a {$19.00} XXXX balance. I was never contacted by XXXX or the collection agency. I only found out after seeing it on my Experian report marked as a charge-off. 

I immediately called the collection agency and paid the {$14.00} they requested in full, last year. Since then, I have contacted XXXX multiple times requesting a goodwill deletion due to the unusual circumstances. 

I also have another XXXX account in good standing, which shows Im not a risky borrowerthis was clearly an isolated issue, not a pattern. 

This is the only negative item on my credit report. It dropped my Experian score by over XXXX points, while my XXXX XXXX XXXX  are still XXXX. I have never missed any other payments on any account. 

XXXX acknowledges the situation but refuses to remove the item, claiming their obligation is to report accurate data. I am not disputing the dataIm asking for a discretionary goodwill removal, which is permitted under the Fair Credit Reporting Act ( FCRA ). 

Im requesting the CFPB assist in having this paid, low-dollar, single-instance item removed from my report due to its disproportionate impact and the circumstances under which it occurred.

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 2025-05-13 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: AL

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 Bureaus 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 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 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 2025-05-13 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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 : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$440.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} Open Date XX/XX/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 explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a installment loan opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-13 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: FL

Complaint narrative:
Subject : Formal Request for Investigation and Removal of Illegally Reinserted Information Dear Sir or Madam : I am writing as a consumer negatively affected by the reinsertion of a previously deleted account on my credit reports, without the required legal notification under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ( B ) ). The account in question appears as : - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) - Reported as " Charge-Off / Collection '' with a {$0.00} balance and last activity in XXXX 
This account was previously removed from my credit reports and has now been reinserted without written notice within the 5-day period required by law. This action directly violates my rights under the FCRA. In addition : - The account shows a {$0.00} balance, which does not justify its continued reporting as an active charge-off.

- The account was transferred to another lender, according to your own records ( " Purchased by another lender '' ), and therefore should be removed or corrected. 
- XXXX has correctly removed the account, while TransUnion and Equifax continue reporting inconsistent and unfair information. 
This information is directly harming my ability to obtain fair credit, reasonable interest rates, and financial opportunities for myself and my family. As a community leader and responsible mother, these unjust marks are affecting my goals for personal growth and financial stability. This situation causes me ongoing stress and anxiety, as I have worked hard to maintain a clean credit history.

Based on the FCRA and my rights as a consumer, I am formally requesting the following : 1. Immediate removal of this account from my TransUnion and Equifax reports.

2. A formal investigation and a written statement explaining the results and actions taken.

3. Cease any unauthorized reinsertion of previously deleted information.

If this request is not resolved within the legal 30-day period, I reserve the right to file a formal complaint with the CFPB, the FTC, and my State Attorney General

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 2025-05-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$280.00}

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 2025-05-13 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: MI

Complaint narrative:
I am submitting this complaint to address the continued reporting of multiple late payments on my credit report tied to an account that is currently open and in good standing. While the late payments occurred in the past, they are now outdated and no longer reflect my current payment behavior or financial situation. These entries continue to negatively affect my credit profile, despite a clear and consistent pattern of responsible account management since that time. 

The reporting of these delinquencies fails to meet multiple standards required under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) requires furnishers of credit information to report data that is not only accurate, but also complete and not misleading. In this case, the ongoing presence of aged delinquencieswithout acknowledgment of more than a year of positive payment historycreates an unbalanced and harmful portrayal of my credit behavior. 
FCRA 1681e ( b ) mandates that consumer reporting agencies ( CRAs ) and furnishers take reasonable steps to ensure the maximum possible accuracy of the data they provide. Data that paints an outdated or incomplete picture of an accounts current status does not meet this legal requirement.

FCRA 1681i provides me, the consumer, the right to dispute any information I believe to be incomplete or misleading in context, not just outright factually incorrect. In this case, I am exercising my right to challenge how the historical delinquencies are presented in light of my accounts current positive standing. 

Additionally, I believe the creditors continued refusal to update or remove these entriesdespite long-term responsible account activityconstitutes an overly punitive and potentially unfair credit reporting practice, inconsistent with both the intent of the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits practices that are unfair, deceptive, or abusive in consumer financial services. 

I have made good-faith efforts to correct this issue directly with the creditor, but those attempts have been unsuccessful. The refusal to reevaluate the status of these late payments ignores both legal obligations and responsible consumer behavior.

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 2025-05-13 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: MI

Complaint narrative:
I am submitting this complaint to address the continued reporting of multiple late payments on my credit report tied to an account that is currently open and in good standing. While the late payments occurred in the past, they are now outdated and no longer reflect my current payment behavior or financial situation. These entries continue to negatively affect my credit profile, despite a clear and consistent pattern of responsible account management since that time. 

The reporting of these delinquencies fails to meet multiple standards required under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) requires furnishers of credit information to report data that is not only accurate, but also complete and not misleading. In this case, the ongoing presence of aged delinquencieswithout acknowledgment of more than a year of positive payment historycreates an unbalanced and harmful portrayal of my credit behavior. 
FCRA 1681e ( b ) mandates that consumer reporting agencies ( CRAs ) and furnishers take reasonable steps to ensure the maximum possible accuracy of the data they provide. Data that paints an outdated or incomplete picture of an accounts current status does not meet this legal requirement.

FCRA 1681i provides me, the consumer, the right to dispute any information I believe to be incomplete or misleading in context, not just outright factually incorrect. In this case, I am exercising my right to challenge how the historical delinquencies are presented in light of my accounts current positive standing. 

Additionally, I believe the creditors continued refusal to update or remove these entriesdespite long-term responsible account activityconstitutes an overly punitive and potentially unfair credit reporting practice, inconsistent with both the intent of the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits practices that are unfair, deceptive, or abusive in consumer financial services. 

I have made good-faith efforts to correct this issue directly with the creditor, but those attempts have been unsuccessful. The refusal to reevaluate the status of these late payments ignores both legal obligations and responsible consumer behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I was unnecessarily, improperly & fraudulently induced to consent to allowing XXXX to pull my credit report to in connection with a joint application for a mortgage when such pull could have been avoided, damage to my credit score avoided & information sought obtained by simply & merely asking the subject question and disqualifying factor of whether I had a bankruptcy filing on my credit report ( at the time ) at which point I would have said yes, thereby disqualifying me as a co mortgage loan applicant and avoiding unnecessarily pulling my credit report & resulting damage to my credit score caused by the hard inquiry.

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