vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am formally disputing the accuracy and completeness of the following information on my credit report pursuant to XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( XXXX  ). I am filing this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( XX/XX/XXXX), XXXX U.S.C. XXXX et seq., the Fair and Accurate Credit Transactions Act ( XXXX ), the Fair Debt Collection Practices Act ( XXXX  ), and the Identity Theft Enforcement and Restitution Act ( XXXX U.S.C. XXXX ). 

I am the victim of identity theft, and the following accounts/inquiries/derogatory items on my credit reports are 100 % fraudulent and were opened or reported without my knowledge, consent, or authorization. These accounts must be deleted immediately and permanently : Please refer to ID theft paperwork I have already provided the credit reporting agencies and the furnishers with FTC Identity Theft Reports and notarized affidavits. Under FCRA XXXX [ XXXX U.S.C. XXXX ], upon receipt of such proof, a consumer reporting agency MUST block and remove the fraudulent information within XXXX ( XXXX ) business days. Your failure to comply is a willful violation of federal law. 

Furthermore, under FCRA XXXX [ XXXX U.S.C. XXXX ], the bureaus are required to conduct a reasonable reinvestigation. The use of the E-Oscar automated dispute systemwhich merely codes disputes and regurgitates furnishers responses without actual investigationdoes NOT meet the reasonable investigation standard required by law ( as held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 

By continuing to report these fraudulent accounts, you are engaging in : XXXX. Willful noncompliance with the FCRA ( XXXX U.S.C. XXXX ). 
XXXX. Negligent noncompliance with the FCRA ( XXXX U.S.C. XXXX ). 
XXXX. Failure to conduct a reasonable investigation ( XXXX U.S.C. XXXX ). 
XXXX. Failure to block fraudulent information after proper proof ( XXXX U.S.C. XXXX ). 
XXXX. Unfair, deceptive, and abusive acts and practices in violation of XXXX U.S.C. 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 2025-08-12 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I have disputed 2 accounts on my Equifax credit report 6 times and got results back. I am currently on my 7th dispute! All disputes are coming back as information verified and some information changed and/or corrected. As of today, there are at least 14 errors on 1 of the accounts and at least 13 errors on the second.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Line Financial, PBC
State: IL

Complaint narrative:
I was approved for the XXXX XXXX XXXX XXXX benefit in the amount of {$1000.00} on XX/XX/XXXX. The funds were deposited into my Beem account on XX/XX/XXXX. Immediately upon deposit, Beem deducted subscription fees and a past-due everdraft amount from my account, reducing my available balance to {$810.00}. 

Since XX/XX/XXXX, I have been unable to withdraw the remaining funds to my linked bank account. I contacted Beem support on XXXX, XXXX, XXXX, and XX/XX/XXXX. Each time, I received the same response : We apologize for the inconvenience and are working with the relevant team on the resolution. Please allow us another XXXX business hours and we will reach out to you with the update. I was given a ticket number : XXXX. 

This has now gone on for over a week with no resolution, no written timeline, and no proactive updates from Beem. I have an open ticket for a manual transfer, but I am repeatedly told to wait without any progress. This delay has caused financial hardship as I rely on these funds for essential living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
XX/XX/year> I made a reservation on XXXX  and used affirm as my method of payment. I chose to pay in installments and approved a monthly payment of XXXX through Affirm. The loan document is attached, as is the reservation. 
XX/XX/year> My bank account showed that Affirm had drafted the amount of XXXX. I contacted Affirm by phone and was advised that since the loan was over 24 hours old, there was nothing they could do. I filed a dispute with my bank. The proof that the transaction cleared my bank and the dispute result are attached. 
XX/XX/year> I received confirmation through email that the transaction/reservation to XXXX had been canceled. This cancelation is attached. As I had purchased a protection plan for the trip, part of the transaction was for XXXX XXXX XXXX. They advised I would be refunded the {$57.00} to my method of payment. 
XX/XX/year> XXXX states the refund was issued to my Affirm card ending in XXXX. I did not receive this refund. This email is attached. 
XX/XX/year> I attempted to use my Affirm card for another transaction. The card was declined and I contacted Affirm customer service to find out why. I was told that I had a NSF in the amount of XXXX. I am attaching the conversation here, I was advised by XXXX XXXX that I needed to wait 8 days and the issue would be resolved. 
XX/XX/year> My account is still locked, I contacted Affirm again. They stated my account is " in recovery '' due to NSF. I provided the case # XXXX. I was told this would be escalated, I have not received a response. 

All of this information was emailed to Affirm Customer Service XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 2025-08-12 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: MO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-12 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( c ) ( XXXX ) ( A ) and ( B ) ( i ) and XXXX U.S.C. XXXX ( a ) ( XXXX ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-12 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:
I'm requesting a review of this late submission due to a potential error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am requesting a complete copy of my consumer file disclosure pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681g. 

Please provide : All information in my file at the time of my request, including account history, inquiries, and negative items. 
The sources of all such information. 
A list of all parties that have accessed my file within the past 12 months ( or 24 months for employment inquiries ). 
You may send this disclosure to my mailing address listed in my complaint details or upload it directly to the CFPB portal in your response to this complaint. 
I have attached : A copy of my government-issued ID Proof of my current address ( recent bill or bank statement ) This request is made in good faith to review the accuracy of my consumer file. Thank you for your prompt 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 2025-08-12 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: GA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is XXXX XXXX XXXX involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ).

Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CO

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 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 2025-08-12 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX  XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: DC

Complaint narrative:
I am filing a complaint because my creditor is recording late payment on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A furnishers must report accurate information under 15 USC 1681, the credit bureaus must perform a reasonable investigation within 30 days. neither of them provided sufficient evidence to support negative reporting.

Company response to consumer: Closed with explanation