vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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 formally disputing an inaccurate repossession account reporting on my credit report. I have previously disputed this directly with the credit reporting agencies and the furnisher of the information, and the item continues to report inaccurately without proper documentation or validation. 
Under the FCRA ( Fair Credit Reporting Act ), any item placed on a consumers credit report must be accurate and verifiable. I have requested the original contract, notice of intent to repossess, notice of sale, and deficiency balance information none of which has been provided to substantiate this account. 
Additionally, the reporting agency and data furnisher failed to complete a reasonable investigation within the required timeframe and did not provide me with proper notification or evidence supporting their investigation results. 
This incomplete, unverifiable, and inaccurate reporting is XXXX to my credit profile and violating my rights as a consumer. 
Since the account can not be verified as accurate and current, I demand that it be immediately deleted from my credit report. 
Please also remove any associated hard inquiries related to the account. 
Account Details Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Failure to comply will result in further complaints to the Federal Trade Commission ( FTC ) and potential legal action for violations of the FCRA.

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 2025-06-13 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: CA

Complaint narrative:
This is my XXXX  attempt to resolve the fraudulent information on my credit report under FCRA XXXX. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
Both my checking and savings accounts were closed on XX/XX/XXXX. I was told that two checks with the remaining balance would be mailed to me and arrive within 7-10 business days. The first follow-up communication was made on XX/XX/XXXX because no check was received for approximately a month. 

HSBC claimed that " The amount of the checks are USD XXXX and USD XXXX, and the check was dated XX/XX/year>. '' Additionally, HSBC claimed that in order for the check to be reissued, I have to fill out an indemnity form and send the notarized form back to a XXXX XXXX XXXX XXXX, NY. 

I stopped by a XXXX XXXX on XX/XX/XXXX and had two Indemnity forms notarized. The form was mailed on XX/XX/XXXX via USPS Priority and was received on XX/XX/XXXX. HSBC mentioned that new checks may be expedited. However, the check was never expedited. 

The follow-up communication with HSBC only informed me that it would take 7-10 business days since it's regular mail and no tracking numbers were indicated on the profile. 

I also found that I was given the wrong information because the agent said expediting was never an option, which contradicted the information I was given earlier. I have also requested a mail search with the USPS to locate the mail.

The same agent also mentioned that my alternative option was to stop by a bank. I called HSBC on XX/XX/XXXX and was told that he could not issue me a check as the account was closed and funds were withdrawn. The banker suggested I contact the back office and see if they could work something on their end so he could help me with issuing a check at a branch ; I made a phone call around XXXX XXXX  on XX/XX/XXXX. The agent told me that my only option was to wait for the check and if I could not receive the check or move to a new address. I must fill out another indemnity form and mail it back to HSBC.

I would argue that I have exhausted all my options and decided to file a complaint. Additionally, my money in other HSBC accounts in other countries has not returned me the money yet. One example of this was the one in XXXX asked me to mail a form to XXXX for me to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-13 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: GA

Complaint narrative:
I have recently received a copy of my credit report and notice several inaccuracies and unauthorized account information reporting to my credit report. This remark has been Demetrial to my life and credit health.

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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Subject : XXXX XXXX XXXX Affirm , Inc . Refusal to Honor Arbitration Clause, Denial of XXXX  Options, and Improper Credit Reporting Dear CFPB, I am writing to file a formal complaint against Affirm, Inc. regarding their refusal to comply with their mandatory arbitration clause, denial of multiple XXXX relief requests, and continued XXXX XXXX XXXX during an active dispute. 

I initially contacted Affirm to request relief due to significant XXXX XXXX and sought reasonable accommodations such as an extended repayment period or other options. Despite repeated outreach, Affirm failed to offer any meaningful resolution or XXXX  program. This ongoing refusal caused XXXX XXXX XXXX 

On XX/XX/year>, I formally submitted a written demand for arbitration and account closure, citing Affirms own Terms of Service and the Federal Arbitration Act. I also requested cessation of XXXX XXXX XXXX XXXX XXXX  until arbitration was completed. I further requested full debt validation under applicable consumer laws. 

In response, a supervisor at Affirm ( signed XXXX ) denied my request, citing company policy that prohibits account closure unless all loans are paid in fulleven though I am clearly attempting to resolve the dispute through the legal arbitration process outlined in their own contract. Affirm also stated they would not adjust XXXX XXXX  unless there is an error, disregarding the fact that reporting XXXX during an unresolved arbitration demand is both unfair and potentially unlawful. 

Additionally : Affirm failed to provide a full debt validation with itemized accounting or full loan terms. 

They are continuing to report XXXX information to XXXX  during an unresolved dispute. 

They acknowledged my right to cease contact but placed all repayment responsibility solely on me without any further engagement. 

They XXXX XXXX  collections if the account reaches XXXX even though arbitration has been demanded. 

This refusal to proceed with arbitration and the continued XXXX XXXX XXXX XXXX XXXX XXXX  contradict Affirms stated terms and raises serious concerns under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and unfair and deceptive acts or practices ( UDAAP ) provisions. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, 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 XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX listed below : Name : XXXX XXXX Address : 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 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 explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I am writing to formally report and express serious concern regarding multiple violations of federal statutes, including the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 U.S. Code16812A, 16812B ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), and 26 U.S. Code 7212 ( a ).

These violations have resulted in significant financial hardship and undue burden for both myself and my family. I am requesting a thorough investigation into these matters and appropriate corrective actions to be taken as soon as possible.

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 2025-06-13 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:
I am writing to formally report and express serious concern regarding multiple violations of federal statutes, including the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 U.S. Code16812A, 16812B ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), and 26 U.S. Code 7212 ( a ).

These violations have resulted in significant financial hardship and undue burden for both myself and my family. I am requesting a thorough investigation into these matters and appropriate corrective actions to be taken as soon as possible.

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 2025-06-13 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: KS

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: Express Collections, Inc.
State: PA

Complaint narrative:
Fraudulent Accounts Immediate Action Required ( XXXX : SS XXXX XXXX XXXXXXXX ) To Whom It XXXX Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Violated : XXXX XXXX. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal XXXX XXXX by an additional term of XXXX years ' XXXX for the offenders. Your XXXX in verifying this information perpetuates the criminal activity and further XXXX my financial standing. 
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under XXXX XXXX XXXX ( XXXX ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Better Business Bureau XXXX BBB ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking XXXX for the XXXX caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security XXXX FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
b'I reviewed my XXXX XXXX and was shocked to find a collection account for XXXX listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never conducted any business with XXXX XXXX, nor have I ever visited any of their international locations, including XXXX Italy.\n\nAccording to my records, the only contact attempt regarding this alleged debt occurred on XXXX XXXX XXXX, via a phone number registered in XXXX, Italy: XXXX XXXX XXXX XXXX. The caller left a voicemail claiming to be from XXXX I did not answer the call, as it appeared suspicious and potentially fraudulent.\n\nTo date, I have not received any written notice, documentation, or validation of this debt from Summit A*R or any affiliated party.\n\nI believe this is a case of identity theft, and I am requesting that Summit A*R immediately:\n\t\tCease all collection activity related to this account;\n\t\tRemove any entries related to this account from my XXXX XXXX with XXXX XXXX XXXX XXXX;\n\t\tProvide me with all records pertaining to this account, including the original contract, payment history, and any identifying information used to open the account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-13 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: NJ

Complaint narrative:
I submitted formal disputes to XXXX XXXX, and Equifax for a late payment reported on my XXXX XXXX account ( Account ending in XXXX ) for XX/XX/XXXX. XXXX and XXXX are reporting it as 30 days late, while Equifax is reporting 60 days late for the same month. 

Additionally, my XX/XX/XXXX payment was reported as on time, so the sudden jump to 60 days late is logically impossible and unsupported by proper reporting sequence. 

XXXX XXXX dismissed my dispute as substantially similar to a previous one without addressing the inconsistency or providing verification. I then sent Method of Verification letters to all three credit bureaus on XX/XX/XXXX, and have not received a proper response. This violates FCRA Sections 611 ( a ) ( 7 ), 623 ( b ), and 607 ( a ).

I am requesting that the CFPB require : XXXX XXXX to provide documented proof of this late payment. 

Equifax, XXXX, and XXXX to resolve the conflicting reporting and correct/delete the entry. 

Full removal of the XX/XX/XXXX late mark if they can not provide accurate, verified documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
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 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