vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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 writing to dispute certain items on my credit report under the Fair Credit Reporting Act ( FCRA ) and request that the following accounts be investigated and corrected. The details are separated by bureau as follows : Charged Off Accounts : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$9900.00} Late Payment : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-28 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 submitting this statement in regards to several items on my credit report that are disputed with the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX ( XXXX ), and TransUnion ( TU ). The details of the disputed accounts are as follows : Charged Off Accounts Union ( TU ) : XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$4500.00} Inquiries TransUnion ( XXXX ) : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681 XXXX XXXX has violated my rights. 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 an 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. Accounts needs to be removed from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: PA

Complaint narrative:
For the past month, I have called multiple times and had multiple tickets sent out to try to fix my account. Each ticket marks the issue as resolved, but it is still not fixed, and I have to keep submitting new tickets and it feels like Im just going in circles.

I have two loans through XXXX, loan 15 and 16. The past two months ( XXXX and XXXX ), plus the current due for XXXX, are only showing a balance due for loan 15. Because loan 16 isnt showing a balance due, I havent been paying on it and because I havent been paying on the {$0.00}, the system mistakes it as a missed payment, and I keep getting hit with late payments for {$0.00}. I have been paying on loan 15 because that has been the only balance that shows due, and Im up to date on that. 

Also, youll see on my attached payment history, I had to make 2 payments for XXXX because after I paid the balance due, it went to {$0.00} and then reset to the amount due. 

The monthly statements ( attached ) that they keep sending me are not making any sense, I honestly just need help because I dont want these false missed payments to start affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX  XXXX - Acct # XXXX - Account charged off - Balance {$710.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$690.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$1300.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$950.00} XXXX - Acct # XXXXXXXX - Collection account - Balance {$4500.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$720.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$470.00} XXXX XXXX XXXX - Acct # XXXX - Collection account - Balance {$440.00} PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX - Acct # XXXX - 60 days late - XXXX late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
According to my credit report, XXXX Bank closed my account on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA 623 and FCRA 607 ( b ) ) and the Metro 2 Credit Reporting Standards, a closed account can not legally report new late payments, new delinquency statuses, or new past-due amounts after the date of closure. 

However, XXXX Bank continued to report NEW late payments AFTER the account was closed, including : XX/XX/year> reported late after closure XX/XX/year> reported late after closure XX/XX/year> reported late after closure

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Credit, LLC
State: TX

Complaint narrative:
I recently received a communication indicating an outstanding balance on my account with ACTION CRED. However, I have no recollection of the details of this debt and have not received sufficient information to verify its legitimacy. I am unsure of the origin, the amount owed, or whether the balance accurately reflects any contractual agreement I may have entered into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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 do not recognize the listed credit inquiries and believe they may be fraudulent. Please take corrective action immediately and review the provided documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Issue : Affirm is refusing to close my account unless I pay two charged-off loans from XXXX that are more than eight years old, time-barred, legally uncollectible, and not stated anywhere in Affirms written terms as a condition for closure. 

What Happened : On XX/XX/XXXX, I contacted Affirm to close my account. I have not used Affirm for over eight years, and all conditions for account closure listed on their website are met. 

Throughout the conversation, multiple Affirm representatives gave contradictory and incorrect explanations for why my account can not be closed. The AI assistant, the first agent, and the supervisor all gave different reasons, including : your loans show charged off, your loans do not show charged off, the charge-offs must be settled before closure, the status is irreversible, you need to pay first, and other conflicting statements. 


I repeatedly explained that these two loans were charged off in XXXX, beyond the statute of limitations, legally uncollectible, and can not be used to deny account closure. I requested written documentation of any Affirm policy requiring payment of time-barred debt in order to close an account. 

Affirm refused to provide any written policy and instead linked only to general terms and conditions that do not mention this requirement. The supervisor also incorrectly claimed to be the highest escalation point even though previous agents confirmed there is an Account Closure / Specialized Resolution Team. 

After I mentioned I would file a CFPB complaint, the supervisor stopped addressing my questions, repeated the same canned message three times ( Thank you for choosing Affirm. Always keep safe. ), and forcibly ended the chat without resolving the issue.

Why This is a Problem : Affirm is : 1. Conditioning account closure on payment of time-barred, uncollectible debt 2. Misrepresenting the legal status of a debt 3. Refusing to provide written terms or documentation 4. Giving false and contradictory information 5. Blocking access to a real escalation channel 6. Ending the chat without resolution 7. Denying my lawful right to close my account This violates CFPB guidelines, FDCPA principles regarding time-barred debt, and consumer protection standards that require accurate, non-misleading disclosures.

I have full transcripts and screenshots and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
The entry submitted does not accurately reflect the reality of my financial conduct. I kindly request examination and revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A wire transfer of XXXX $ from XXXX XXXX XXXX was sent on XXXX. XXXX. to my account Chase Bank Usa and was returned immediately and haven't been credited to the source/sender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

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 2025-11-28 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: GA

Complaint narrative:
I wanted to reach out to let you know that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me regarding the safety of my sensitive data, as it has resulted in fraudulent accounts and debts being opened in my name. I kindly ask that you take this into account when reviewing my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank ( SYNCB / CareCredit ) is reporting two different CareCredit accounts on my credit report with multiple inaccurate, conflicting, and misleading data points across XXXX XXXX XXXX XXXX 

ACCOUNT # 1 CareCredit ( Opened XX/XX/XXXX Charge-Off ) This account contains several serious FCRA violations XXXX including : Conflicting charge-off dates : XXXX  reports charge-off : XX/XX/XXXX XXXX  reports charge-off : XX/XX/XXXX XXXX last payment dates : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Conflicting balance update dates : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Illegal usage XXXX : XXXX  shows 40 % credit usage on a charged-off closed account, which is factually impossible and materially misleading. 

These inconsistencies prove SYNCB can not verify the account with maximum possible accuracy, violating FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

I am requesting full deletion of this CareCredit account because the data is inaccurate and unverifiable. ACCOUNT # 2 CareCredit ( Opened XXXX Authorized User Account ) I am only an authorized user, not financially responsible.

Under FCRA and Metro 2 guidelines, I have the right to have authorized user accounts removed upon request. 

I am requesting deletion of this account as well.

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 2025-11-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-28 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation