vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I am disputing the credit card account listed under credence resource management ( XXXX XXXX XXXX ) I did not apply for, open, or authorize this account. This account was opened without my knowledge or consent and is the result of identity theft. I am requesting that this account and all related negative information be removed from my credit file immediately under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: OR

Complaint narrative:
Dispute Type : Incorrect Reporting XXXXXXXX XXXX Account Statement : I am disputing the derogatory reporting on my XXXX XXXX XXXX XXXX XXXX ( XXXX ) mortgage account. 

XXXX reported my mortgage as delinquent in XXXX and XX/XX/year>, despite the following : I was current when I entered forbearance in XX/XX/year>. 

Under the CARES Act ( Section 4021 ), if a borrower is current at the time of accommodation, the account must continue to be reported as current throughout the forbearance period. 

XXXX promised me that my credit would not be harmed by entering forbearance. 


Evidence : CFPB Complaint # XXXX In their XXXX XXXX, 2025 response, XXXX admitted XXXX reported my loan as over 30 days delinquent in XXXX and XX/XX/year>. 

CFPB Complaint # XXXX XXXX again admitted to reporting derogatory marks, despite assuring me there would be no credit impact. 

Both complaints are now in the CFPBs public database and have been forwarded to the FTC. 


Violations : CARES Act ( Section 4021 ) : Required continued current reporting. 

FCRA 15 U.S.C. 1681s-2 ( a ) & ( b ) : Furnishing inaccurate information and failing to correct after notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion regarding inaccurate reporting of a late payment on my credit file dated XX/XX/year>. 
XXXX. Account Inaccuracy This late payment is INACCURATE and MISLEADING as my account was not late in XX/XX/year>. 

XXXX. Violation of Federal law Under the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681e ( b ) ), credit reporting agency must ensure maximum possible accuracy of the information they report. Reporting a false late payment violates this requirement. 

Under 15 U.S.C.1681i ( a ), when a consumer disputes an inaccuracy the credit reporting agency must conduct a REASONABLE REINVESTIGATION. I have disputed this information, and the inaccurate reporting has not been corrected. 

Additionally under the FAIR CREDIT BILLING ACT ( 15 U.S.C. 1666b ), payments must be credited promptly and accurately as of the date of receipt. Failure to properly credit my payment and then reporting as late constitutes a violation of this statue. 

XXXX Harm Suffered The false late payment has negatively impacted my credit score and ability to obtain credit. 
This inaccurate reporting has caused financial and reputational harm.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : [ XXXX ] Date : [ XXXX ] XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account XXXX XXXXXXXX XXXX Dear XXXX Dispute Department, I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is reported by XXXX XXXXXXXX XXXX  and a balance of {$630.00}. The original creditor is listed as Paragon XXXXXXXX XXXX XXXX. 
I am requesting that this account be investigated and removed from my credit report if it can not be verified as accurate. I believe this account may be reported in error or may not meet the requirements for reporting under the Fair Credit Reporting Act ( FCRA ). 
Please conduct a thorough investigation and provide documentation verifying the debt, including : The original signed contract or agreement A complete payment history Proof of my responsibility for the debt If the account can not be verified, I respectfully request that it be deleted from my credit report. 
Attached are copies of my credit report highlighting the disputed account and a copy of my identification for verification purposes. 
Thank you for your attention to this matter. I look forward to your response within the 30-day investigation period as required by the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account with XXXX XXXX XXXX I was unaware of the proper use and implications of credit under the Truth in Lending Act ( TILA ), specifically referencing the congressional findings outlined in section ( a ).

According to TILA, Congress recognized that consumers often lack sufficient information to understand the true cost of credit, leading to uninformed borrowing decisions. This Congressional finding underscores the importance of transparent disclosure and consumer education, which I assert was not adequately provided to me at the time of incurring this debt.

Furthermore, case law supports the position that consumers should not be held liable for charges incurred without full understanding of the credit terms. In * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( 1929 ), the Supreme Court emphasized the importance of informed consent and transparency in financial transactions, ruling that lack of proper disclosure can render a contract unenforceable. 

Given these facts, I believe the charge-off reported by XXXX XXXX is invalid or unjust due to my lack of informed consent and understanding at the time of the account activity.

If this matter is not resolved promptly by removing the inaccurate charge-off from my credit report, please be advised that I am prepared to pursue legal action. Such action could result in significant costs to your organization, including legal fees and damages for any violations of consumer protection laws. 

I request that this dispute be investigated and that the charge-off be removed from my credit report within the timeframe mandated by the Fair Credit Reporting Act. I look forward to your confirmation that this matter has been resolved.

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 2025-10-02 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: NC

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account with XXXX XXXX XXXX I was unaware of the proper use and implications of credit under the Truth in Lending Act ( TILA ), specifically referencing the congressional findings outlined in section ( a ).

According to TILA, Congress recognized that consumers often lack sufficient information to understand the true cost of credit, leading to uninformed borrowing decisions. This Congressional finding underscores the importance of transparent disclosure and consumer education, which I assert was not adequately provided to me at the time of incurring this debt. 

Furthermore, case law supports the position that consumers should not be held liable for charges incurred without full understanding of the credit terms. In * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( 1929 ), the Supreme Court emphasized the importance of informed consent and transparency in financial transactions, ruling that lack of proper disclosure can render a contract unenforceable. 

Given these facts, I believe the charge-off reported by XXXX XXXX is invalid or unjust due to my lack of informed consent and understanding at the time of the account activity.

If this matter is not resolved promptly by removing the inaccurate charge-off from my credit report, please be advised that I am prepared to pursue legal action. Such action could result in significant costs to your organization, including legal fees and damages for any violations of consumer protection laws. 

I request that this dispute be investigated and that the charge-off be removed from my credit report within the timeframe mandated by the Fair Credit Reporting Act. I look forward to your confirmation that this matter has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account with XXXX XXXX XXXX I was unaware of the proper use and implications of credit under the Truth in Lending Act ( TILA ), specifically referencing the congressional findings outlined in section ( a ).

According to TILA, Congress recognized that consumers often lack sufficient information to understand the true cost of credit, leading to uninformed borrowing decisions. This Congressional finding underscores the importance of transparent disclosure and consumer education, which I assert was not adequately provided to me at the time of incurring this debt. 

Furthermore, case law supports the position that consumers should not be held liable for charges incurred without full understanding of the credit terms. In * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( 1929 ), the Supreme Court emphasized the importance of informed consent and transparency in financial transactions, ruling that lack of proper disclosure can render a contract unenforceable. 

Given these facts, I believe the charge-off reported by XXXX XXXX is invalid or unjust due to my lack of informed consent and understanding at the time of the account activity.

If this matter is not resolved promptly by removing the inaccurate charge-off from my credit report, please be advised that I am prepared to pursue legal action. Such action could result in significant costs to your organization, including legal fees and damages for any violations of consumer protection laws.

I request that this dispute be investigated and that the charge-off be removed from my credit report within the timeframe mandated by the Fair Credit Reporting Act. I look forward to your confirmation that this matter has been resolved.

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 2025-10-03 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: NC

Complaint narrative:
I was reviewing my TransUnion report and noticed some things are incomplete and not accurate. In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : The following accounts have violated my rights : XXXX XXXX : # XXXX / XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( acct ending XXXX ) : # XXXX XXXX XXXX XXXX ( acct ending XXXX ) : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX / XXXX And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 U.S.C. 1681e ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), they are supposed to 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.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( 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.

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 2025-10-03 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I ordered a phone with XXXX, But they didn't deliver my package, it was stolen, the seller and the company itself refuses to help, and the credit card doesn't help either, I'm paying for nothing, help me request a refund or have the item resent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX, and XXXX XXXX Bank XXXX XXXX Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, National Credit Systems received a mailed letter from me ( via XXXX Tracking # XXXX ) at their XXXX, GA address. The letter referenced an account ending in XXXX, with a reported balance of {$17000.00}. In the letter, I stated that while I do not admit full liability for the debt, I was open to negotiating a lump-sum settlement. I also clearly requested that all communication be conducted via XXXX mail only and that no phone contact be made. 

Since that initial communication, I have sent the same request and debt validation letter five additional times to multiple known addresses associated with National Credit Systems. All were delivered successfully. The dates and tracking numbers are as follows : XX/XX/year> XXXX address | Tracking # XXXX XX/XX/year> XXXX address | Tracking # XXXX XX/XX/year> XXXX XXXX address | Tracking # XXXX Despite these repeated, documented attempts, National Credit Systems has never responded in any form neither acknowledging receipt nor providing the legally required debt validation.

Company response to consumer: Closed with explanation