vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
* On XX/XX/year>, I filed a police report regarding identity theft. Around the same time, I also submitted an Identity Theft Report through XXXX ( FTC ) confirming the unauthorized nature of these charges. 
* My bank previously investigated the same fraudulent activity and sided with me, confirming these charges were unauthorized. 
* Despite this, when I later attempted to make an authorized purchase using XXXX, they reattached the fraudulent loan balance back onto my account. 
* I submitted an initial dispute directly to XXXX, including : * The police report ( XX/XX/year> ) * The FTC Identity Theft Report * Supporting identity documents * An explanatory letter * I also filed a report through XXXX  online dispute portal. 

Affirms Response * Despite my submission of clear proof of identity theft, XXXX  has repeatedly responded via email claiming that I am responsible for these unauthorized transactions. 
* Their justification is based on IP address and phone number usage, but as I noted in my police report, another individual living in my household at the time had access to those devices and accounts a fact XXXX  has ignored. 
* They have not completed a good faith or reasonable reinvestigation, as required by law, and continue to attempt to hold me liable for charges I did not authorize. 

Violations of Federal Law Affirms handling of my dispute violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : * FCRA, 15 U.S.C. 1681i ( a ) : Requires credit reporting agencies ( and furnishers ) to conduct a reasonable reinvestigation of disputed information within 30 days ( 45 days with additional information ).

* FCRA, 15 U.S.C. 1681c-2 : Requires blocking of information resulting from identity theft within 4 business days of receiving proof such as a police report or FTC affidavit .

* FCRA, 15 U.S.C. 1681s-2 ( b ) : Obligates furnishers ( like Affirm ) to properly investigate disputes forwarded by a credit bureau and to correct inaccurate information.

* FDCPA, 15 U.S.C. 1692e ( 8 ) : Prohibits communication of false credit information, including failure to communicate that a debt is disputed.

* FDCPA, 15 U.S.C. 1692g ( b ) : Requires deb
t collectors to cease collection until verification is provided when a debt is disputed in writing.

Affirm has disregarded these obligations by : 1. Ignoring my identity theft documentation ( police report and FTC affidavit ).

2. Continuing to report or attempt collection of the disputed charges.

3. Reattaching fraudulent charges to my account even after a prior investigation ( by my bank ) resolved them in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: DE

Complaint narrative:
I do not recognize these inquiries. 

XXXXXXXX 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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
chime closed my account. there not giveing me no reason why they closed it.. i use the app for what its made for so i dont understand why they closed it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 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: AR

Complaint narrative:
I noticed a fraud account listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-17 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
b'Full Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatement of Identity Theft & Good-Faith Rights Exercise:\nI am a confirmed victim of identity theft. The information ChexSystems is reporting is not related to any transaction I authorized. I am exercising my consumer rights under 15 U.S.C. 1681c-2 in good faith.\nWhile ChexSystems has not yet mischaracterized this 1681c-2 block request as a 1681i reinvestigation, such mischaracterization is a known and typical stall tactic employed by ChexSystems in bad faith. Similarly, requesting a signed police report is an illegal delay tactic; 1681c-2 requires only a consumer-signed FTC Identity Theft Report.\nThe disputed information includes accounts reported without my authorization or a permissible purpose under 15 U.S.C. 1681b, which also supports a claim of aggravated identity theft under 18 U.S.C. 1028A.\nFraudulent Account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLegal Demands:\nUnder 15 U.S.C. 1681c-2, ChexSystems is legally obligated to:\nImmediately block and permanently delete all disputed accounts and inquiries listed above.\nProvide me with an updated consumer report within four (4) business days reflecting these deletions.\nEnsure no reinsertion occurs unless all 1681i(a)(5) requirements are strictly met, including written certification from furnishers.\nCease reporting or furnishing these accounts to any third parties unless and until a permissible purpose is established.\nFailure to comply constitutes willful and negligent violations of the Fair Credit Reporting Act (15 U.S.C. 1681c-2, 1681b, 1681n, 1681o) and aggravated identity theft under 18 U.S.C. 1028A.'

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CARCO Group, Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ) ( Sections 604 and 607 ), to demand that all outdated, inaccurate, or unnecessary personal identifiers ( specifically all prior addresses ) be removed from my file. 

The FCRA requires that consumer reporting agencies maintain only accurate and relevant information. Outdated addresses and phone numbers are no longer valid, serve no permissible purpose under 604, and increase my risk of fraud and identity theft. These entries are obsolete and must be removed to ensure full compliance with 607, which requires agencies to follow reasonable procedures to assure maximum possible accuracy. 

My only accurate and current contact information is as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Alabama  XXXX I am enclosing copies of my government-issued ID and proof of my current address for verification. You are hereby instructed to investigate and confirm deletion of all prior addresses and phone numbers from my file across all nationwide consumer reporting agencies. Please provide written confirmation of these deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
1. I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the TRUTH IN LENDING ACT ( TILA ) 15 U.S. Code 1637 ( b ) ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: KY

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: NM

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) for reporting an inaccurate late payment on my XXXX account ( Account # XXXX ). 

This account is open, current, and paid as agreed. The reported late payment is false and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681i, 1681s-2, 1681g ), credit reporting agencies and furnishers must maintain maximum accuracy, investigate disputes, and remove unverifiable information. Additionally, the Fair Credit Billing Act ( 15 U.S.C. 1666b ) requires that payments be credited as of the date received. Since my account is current, this reporting is both inaccurate and unlawful.

I am requesting that the CFPB require XXXX  XXXX  and the credit bureaus to : 1. Conduct a full investigation.

2. Remove the inaccurate late payment from all of my credit reports. 
XXXX. Provide me written confirmation of the correction.

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 2025-08-17 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: NM

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) for reporting an inaccurate late payment on my XXXX account ( Account # XXXX ). 

This account is open, current, and paid as agreed. The reported late payment is false and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681i, 1681s-2, 1681g ), credit reporting agencies and furnishers must maintain maximum accuracy, investigate disputes, and remove unverifiable information. Additionally, the Fair Credit Billing Act ( 15 U.S.C. 1666b ) requires that payments be credited as of the date received. Since my account is current, this reporting is both inaccurate and unlawful.

I am requesting that the CFPB require XXXX  XXXX  and the credit bureaus to : 1. Conduct a full investigation.

2. Remove the inaccurate late payment from all of my credit reports. 
XXXX. Provide me written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-17 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: AR

Complaint narrative:
I took a look at my credit report and noticed a fraud account listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I am disputing fraudulent information on my Equifax credit file due to identity theft. My report reflects accounts and an eviction record that do not belong to me. 

The fraudulent account is listed as follows : Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$19000.00} ( as of XX/XX/XXXX ) Last Updated : XX/XX/XXXX Last XXXX of Account : XXXX Resolution Requested : Please remove this fraudulent account, the false eviction record, and any other unauthorized information from my credit file. Provide me with an updated report and written confirmation of the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: CO

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

the accounts below have violated my rights.

15 USC 1681 section 604 a section 2 it olso states a consumer reporting agency can not furnish a accounst withour my written intructions.

15 USC 1681s-2 ( A ) ( a ) 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. 

delete the accounts below : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to dispute the accuracy of certain information being reported on my credit file. The accounts listed below are showing XXXX and XXXX late payments that are currently in litigation and not legally enforceable at this time. Per XXXX XXXX reporting guidelines and the XXXX XXXX XXXX XXXX XXXX ( XXXX ), furnishers must ensure that accounts in litigation are reported accurately and not in a manner that misleads or causes harm. Reporting delinquency during pending litigation is misleading and fails the requirement of maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
15usc 1681b permissible purpose I never gave permission for them to report on my credit report nor did they ever give 1099c

Company response to consumer: Closed with explanation