vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: IA

Complaint narrative:
After reviewing my credit reports from Equifax, XXXX, and XXXX, I discovered two charge-off accounts that are being reported in a way that is both inaccurate and damaging to my financial standing. The first is a XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX which is being reported as a charge-off dated XX/XX/XXXX with a balance of {$4900.00}. The second is a XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX  reported as a charge-off dated XX/XX/XXXX with a balance of {$15000.00}. 

The problem with these accounts is that the reporting is not only outdated but also misleading and unverifiable. The credit bureaus are continuing to publish information that paints me as if I still owe substantial sums of money, even though these entries should either have been updated to reflect accurate, current details or removed altogether if the furnishers can not provide documented proof of their validity. The Fair Credit Reporting Act requires that the information included in consumer reports be accurate and based on the maximum possible level of verification, yet these charge-offs continue to appear in a way that is incomplete, misleading, and therefore unlawful. 

I have repeatedly filed disputes with the credit bureaus to correct these errors, but instead of conducting a real investigation, they simply run the data back through automated systems and regurgitate the same outcome without providing me with any proof that the debts are valid or properly reported. This is not a reasonable reinvestigation, and it shows a clear failure to meet the standards laid out in the FCRA. At this point, it is evident that the bureaus are not reviewing actual supporting documentation, which leaves me stuck with harmful and inaccurate information that continues to weigh down my reports. 

The impact on my life has been significant. These charge-offs, even though reported years ago, continue to distort my creditworthiness. I am viewed by lenders as if I am still in default on major debts, which has resulted in me being denied fair credit opportunities, forced into higher interest rates, and treated as financially irresponsible. Beyond the financial harm, the emotional toll is very real. It is exhausting to have to fight the same battles repeatedly, to see my efforts dismissed without proper review, and to live with the stigma of accounts being inaccurately portrayed on my record when I have every right to demand accuracy and fairness under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

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 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 2025-09-01 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: TX

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
TransUnion did not do and proper investigation into my credit report XXXX got the same letter and fixed everything properly and I wont TransUnion to do the same

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I am submitting this complaint regarding two Affirm accounts that were reported as 30 days late in XX/XX/year>. Prior to the due dates, I contacted Affirm by phone and explained that I was experiencing financial hardship. I was told that Affirm could offer a grace period or payment deferral, and that my accounts would not be reported late as long as I communicated the situation. 

Despite this verbal agreement, both accounts were marked as late on my XX/XX/XXXX credit report. This contradicts the terms discussed with Affirms customer service and misrepresents the nature of the delinquency. I was actively engaged, not delinquent, and relied on Affirms assurance that accommodations would be made. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. If Affirm offered a hardship accommodation, they can not legally report the account as late during that period. I am requesting that Affirm : 1. Remove the late payment marks from both accounts for XX/XX/year> ; 2. Provide documentation of the hardship policy and the call logs or internal notes confirming my communication ; 3. Confirm that their reporting practices align with their stated hardship policies and comply with FCRA standards. 

I am asserting my right to accurate credit reporting and requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Affirm corrects the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-09-01 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-01 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: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Address : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX Date : XX/XX/XXXX Re : Cease and Desist / Permanent Deletion RequestXX/XX/XXXXBalance {$0.00} Reported Derogatory DEMAND TO CEASE, DESIST, AND DELETE This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) demanding that XXXX, and any of its affiliates or assignees, immediately cease all communication with me regarding this alleged debt. 

The account in question is reported as Collection/Charge-Off with a derogatory status, despite showing a {$0.00} balance and closed status. Reporting a charged-off account with a balance already resolved, transferred, or sold is false, misleading, and deceptive under 15 U.S.C. 1692e and constitutes an unfair practice under 15 U.S.C. 1692f.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers are prohibited from providing inaccurate or misleading information to credit reporting agencies. Continuing to report this account as derogatory and in collections despite being closed and carrying a {$0.00} balance is inaccurate, unverifiable, and misleading. 



CASE LAW SUPPORT FOR PERMANENT DELETION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnisher must conduct a reasonable investigation and can not continue reporting disputed information without proper verification. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX ) Reporting information that is technically true but misleading violates the FCRA. 
XXXXXX/XX/XXXX Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Creditors can not continue reporting inaccurate information after a consumer dispute. 
XX/XX/XXXXXXXX (XX/XX/XXXX XXXX ) Furnishers must ensure accuracy after disputes or delete. 
XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX ) Misleading reporting is actionable even if the account exists. 

These cases make clear : once an account is charged off, closed, transferred, or shows a {$0.00} balance, continuing to report it as derogatory or in collection is misleading, and the proper remedy is permanent deletion. 



DEMAND Immediate cessation of all communication under 15 U.S.C. 1692c ( c ). 
Permanent deletion of the XXXX tradeline from EquifaxXX/XX/XXXX and XX/XX/XXXXunder FCRA 1681s-2. 
Written confirmation that the tradeline has been deleted and that no further reporting or collection activity will occur. 

Failure to comply will leave XXXX liable for damages, including statutory damages, actual damages, attorneys fees, and costs, under both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I paid {$2000.00} using my Cash App Visa card ( ending XXXX ) to purchase a XXXX. The product has never been delivered. For years the merchant refused a refund. On XX/XX/XXXX the merchant requested my refund details but has not provided a payout date or funds. Cash App previously declined to assist due to dispute timing. I am requesting Cash App to process a chargeback through XXXX rails or otherwise credit my account. 

Evidence attached : Cash App receipt screenshot, order confirmation, correspondence with merchant XXXX.

Company response to consumer: Closed with explanation