vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-07 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-07 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against [ XXXX ] for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). 

Despite providing a written request on [ insert date ] to only contact me via mail, an employee named XXXX XXXX called me by phone on XX/XX/year>, which constitutes a violation of TCPA as consent for phone communication was never given or was clearly revoked. 

Additionally, I have requested debt validation and all post-repossession documentation related to this account on two occasions, but no documents have been provided to date. This is a direct violation of 15 U.S. Code 1692g and 15 U.S. Code 1692e.

The company has continued to attempt communication without validating the alleged debt, and I have already filed an FTC complaint for these violations. 

I am requesting immediate investigation and enforcement, as this company is not in compliance with federal law. 

I am also submitting this as a formal record of intent to escalate legally, including potential civil action under TCPA and FDCPA if non-compliance continues.

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 2025-08-07 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-07 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-07 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:
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 2025-08-07 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: TX

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I used Affirm to finance a {$690.00} XXXX purchase on XX/XX/year>. I returned all items except for one {$8.00} pillow cover. XXXX confirmed a refund of {$650.00}. 

I made total payments of {$330.00} to Affirm. However, Affirm only refunded me {$47.00} and claimed XXXX kept my {$300.00} down payment. I followed up with XXXX, who confirmed they sent the refund to Affirm. 

Additionally, I discovered that Affirm processed a loan for {$940.00} on XX/XX/XXXX, even though the total amount of the original purchase was only {$690.00}. I am confused and concerned about this amount, as the full cost with financing was only supposed to be {$730.00}. I do not know where the {$940.00} figure came from, and I was never shown or agreed to that amount. 

Despite my repeated attempts to resolve this issue, Affirm refuses to return the full balance or provide a clear explanation. This has caused me serious financial hardship and emotional distress. As a XXXX XXXX XXXX XXXX XXXX and XXXX  mother, and as a XXXX XXXX, the mishandling of my refund and the overcharged loan have had a devastating impact. 

I am requesting a full refund of the remaining {$280.00}, a full investigation into how Affirm processed a loan for more than was authorized, and an explanation of all refund-related and loan-related transactions. I have records from both companies proving my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am sending this complaint to XXXX  regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed.

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 2025-08-07 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-08-07 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 submitting this complaint in connection with fraudulent information appearing on my credit report as a result of identity theft. The account ( XXXX ) in question were opened or used without my knowledge or authorization. I discovered these accounts when reviewing my credit report on XX/XX/year>. 

On XX/XX/year>, I filed an identity theft report through IdentityTheft.gov, and I am formally requesting that the credit reporting agency block this fraudulent information from my file under FCRA Section 605B ( 15 U.S. Code 1681c-2 ). 

I submitted the required documentation, including my identity theft report, proof of identity, and proof of address, as required by law. According to the FCRA, the credit bureau is required to block the disputed information within 4 business days of receiving this request.

Despite my submission, the information remains on my credit report. I am requesting the CFPBs assistance to ensure compliance with FCRA 605B and to have the fraudulent information permanently removed. 

The company has not taken the necessary steps to block or delete the disputed account ( s ), and I am seeking resolution.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint in connection with fraudulent information appearing on my credit report as a result of identity theft. The account ( XXXX ) in question were opened or used without my knowledge or authorization. I discovered these accounts when reviewing my credit report on XX/XX/year>. 

On XX/XX/year>, I filed an identity theft report through IdentityTheft.gov, and I am formally requesting that the credit reporting agency block this fraudulent information from my file under FCRA Section 605B ( 15 U.S. Code 1681c-2 ). 

I submitted the required documentation, including my identity theft report, proof of identity, and proof of address, as required by law. According to the FCRA, the credit bureau is required to block the disputed information within 4 business days of receiving this request.

Despite my submission, the information remains on my credit report. I am requesting the CFPBs assistance to ensure compliance with FCRA 605B and to have the fraudulent information permanently removed. 

The company has not taken the necessary steps to block or delete the disputed account ( s ), and I am seeking resolution.

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 2025-08-07 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 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. 

Please remove the following items from my credit report immediately : Negative Accounts : XXXX. XXXX XXXX  Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$15000.00} Past Due : {$15000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$6600.00} Past Due : {$6600.00} Credit Limit : {$6500.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Balance : {$560.00} Past Due : {$560.00} XXXX XXXX : {$300.00} Status : Charged off Last Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$17000.00} Past Due : {$17000.00} Status : Charged off Last Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Account Type : Collection Balance : {$4800.00} Past Due : {$4800.00} Date Opened : XX/XX/XXXX Status : Active collection Last Updated : 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has already been disputed previously, and the furnisher has failed to provide verifiable, complete, and accurate information I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( XXXX, XXXX ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : XXXX reported an alleged debt to Experian, Equifax XXXX and XXXX  on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXXXXXX XXXX per the balance ledger that I received from XXXX This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status. The lease agreement provided by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis. Despite multiple disputes, XXXX has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ). XXXX is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of XXXX willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting. they do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs AND EACH BUREAU FAILED to ensure the information that was being furnished is accurately being reported

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