vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

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. 

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 List of Unauthorized Inquiries : XXXX - XXXX03-27 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 2025-07-23 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Thank you for reviewing my initial complaint. I am writing to formally dispute Affirms continued reporting of negative payment history on loan number XXXX and to request that this account be removed or amended from my credit report due to the following concerns : Failure to Provide Proper Notice : Affirm states that I was notified via phone number on file of the overdue payment. I do not recall receiving such notifications or communications. If calls or messages were made, I request detailed logs, including timestamps and proof of delivery, under my right to verification. Without proof that I was adequately and consistently notified, the reporting of a XXXX day delinquency XXXX be unfair or misleading. 
COVID-Related or Economic Hardship Context : The late payment occurred during a period when many consumers, including myself, were impacted by economic disruptions. I believe this context warrants leniency or goodwill adjustment, especially since the loan was paid in full and there has been no subsequent delinquency. 
Disproportionate Damage vs. Intent : This late payment does not reflect my overall credit behavior and was not an intentional act of negligence. Affirms refusal to adjust reporting on a paid account that is over XXXX years old and fully satisfied seems excessive and punitive, especially given the small amount and that I have been responsible with credit otherwise. 
Fair Credit Reporting Act ( FCRA ) Consideration : While Affirm claims the reporting is accurate, under the FCRA, data must be accurate, complete, and not misleading. The context of this account XXXX create an inaccurate reflection of my creditworthiness. I ask the CFPB to review whether Affirms continued reporting of this late payment, without consideration for extenuating factors or consumer protections, aligns with the XXXX and intent of the FCRA. 
Goodwill Deletion Request : I also respectfully request that Affirm consider a goodwill deletion of this negative mark. The account is paid off in full, I have not defaulted since, and I am simply trying to rebuild my credit and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

Complaint narrative:
Date : XXXX XXXX XXXX  To : Experian XXXXXXXX XXXX XXXX XXXX TX XXXX Subject : Request for Immediate Removal of Inaccurate Student Loan Information Violation of 15 U.S.C. 1681c-2, 1681s-2, FERPA, and Metro 2 Dear Experian Dispute Department, I am writing to formally dispute the inaccurate student loan entries currently being reported on my credit file under the name DEPT OF EDXXXX. The reported accounts in question reflect balances of {$3400.00}, {$3500.00}, {$1900.00}, and {$1900.00} respectively. These accounts are listed under your Experian credit reporting system without proper validation, authorization, or compliance with federal law. 

These accounts are to be removed based on the following legal grounds : 1. Violation of 15 U.S.C. 1681c-2 Block of Information Resulting from Identity Theft Under this statute, I am exercising my right to request the permanent block and removal of any item resulting from alleged identity misuse or false reporting. I assert that these student loans do not belong to me, were reported in error, and were not initiated by me. 

2. Violation of 15 U.S.C. 1681s-2 Responsibility of Furnishers The furnisher ( Dept of EdXXXX  ) is obligated to report accurate and verified information. Any unverifiable or misrepresented student loan entries are in direct violation of this provision. If Experian continues to report this information without proper reinvestigation and validation, it constitutes willful noncompliance. 

3. FERPA ( Family Educational Rights and Privacy Act ) Violation If these loans were reported without my written consent or without proof of a valid enrollment or signed Master Promissory Note ( MPN ), it would violate my educational privacy rights under FERPA. No such documentation has been presented. 

4. Metro 2 Compliance Standards According to CDIAs Metro 2 format requirements, data furnishers and CRAs must follow strict accuracy and reporting standards. These accounts lack required fields and accurate reporting details, making them noncompliant and subject to immediate deletion. 

Requested Action : I am formally demanding that Experian IMMEDIATELY delete these inaccurate and unverifiable student loan accounts from my credit report. I have enclosed a copy of my identification, proof of address, and supporting documentation. 

Failure to comply with this request may result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil claims for willful and negligent noncompliance under the Fair Credit Reporting Act.

Thaks

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 2025-07-23 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: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-23 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: IL

Complaint narrative:
I have been communicating with this company since XXXX of XXXX in an effort to correct vitally important private and personal information that they so carelessly continue to misrepresent on my behalf. In XXXX, I began telling this agency that THEY HAVE INACCURATE and flat out WRONG INFORMATION listed on my credit report. They have yet to correct the items that I requested to be corrected. It is imperative because there are other people who share the same or similar names and addresses as me and I do NOT want to have any of our information mixed up as it has been in the past. This agency has violated every consumer law out there that protects me, my information, and the accuracy in reporting it. I have suffered severe humiliation and financial hardship as a direct result of their negligence. In the LONG months that I have been begging them to do right by me, they have YET to even correct my NAME and ADDRESS?!?! This is a gross misuse of authority as a data furnisher and controlling entity. According to Cushman v Transunion XXXX, this bureau is required to ensure MAXIMUM POSSIBLE ACCURACY. The inaccurate accounts and information continually being reported violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Each item in dispute must be deleted immediately. Additionally, they are reporting a collection that does not belong to me. I have never done business with this company and have no knowledge of the account.

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 2025-07-23 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: CA

Complaint narrative:
I did not open these accounts please remove immediately. This is identity theft

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
This is a follow-up to Complaint # XXXX regarding the XXXX XXXX XXXX  tradeline that continues to appear on my Experian credit report, despite being deleted by both XXXX  and XXXX  on XX/XX/year>2025, after their reinvestigations. 

Experian has not deleted the account and has instead temporarily blocked ita tactic that does not meet the legal requirement to correct or delete inaccurate information under FCRA 1681i ( a ) ( 5 ). Even more concerning : Experian has failed to respond to this CFPB complaint at all, nor have they provided a written explanation or results of any reinvestigation.

This violates multiple consumer protection laws and regulations : FCRA 1681i ( a ) ( 5 ) failure to delete unverifiable information ; FCRA 1681s-2 ( b ) continued inaccurate reporting after notification ; FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide reinvestigation results to the consumer ; 12 CFR 1022.43 CRA duty to respond when a dispute is filed through the CFPB ; CFPB Bulletin 2014-01 CRA obligations to investigate and communicate results.

I am a stay-at-home grandmother with no income. This continued reporting of a disputed and unverifiable tradeline has caused concrete harm to my credit standing, access to credit, and peace of mind. Two bureaus removed the accountExperians refusal to act, or even respond, shows bad faith and noncompliance

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 2025-07-23 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: MA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within 15 days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureau.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have a XXXX and XXXX card with PayPal that is backed by a bank. I was given no notice there was anything wrong with my account until they froze my funds and instructed me they were holding my funds for a minimum of XXXX days to XXXX. The only transactions that deposit into my account are from direct deposits for my military retirement and XXXX entitlements. They do not respond to inquiries. The company specifically states they do not have to respond to inquiries. My money is frozen without any explanation as to why or direction from a court of law to freeze my account. I can not access my banking services and I can not move my money to another financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-23 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:
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