vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: Prince Parker & Associates
State: PA

Complaint narrative:
I am a verified victim of identity theft resulting from multiple confirmed consumer data breaches, including the XXXX XXXX breach, medical data breaches, and the XXXX XXXX breach. My personal information has been exposed on the dark web from XXXX to the present, which I have documented through a comprehensive data-breach audit. 
Despite filing repeated disputes and verification requests with XXXX XXXX XXXX XXXX on numerous dates from XXXX through XXXX, the credit reporting agencies failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681i, 1681e ( b ), and 1681s-2 ( b ) ) etc. 
I was never provided with the method of verification, original applications, contracts, IP logs, signatures, or fraud investigation packets for the disputed accounts. Instead, the agencies continued reporting inaccurate and fraudulent accounts, many of which were later transferred to collection agencies with whom I have no contractual relationship. 
This misconduct caused severe financial harm, including loan denials, credit limit reductions, account closures, and emotional distress. I request CFPB enforcement, immediate deletion of unverifiable accounts, and corrective action for systemic FCRA noncompliance.

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 2025-12-18 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:
These accounts are not mine, and I request they be deleted within 15 days in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file 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 2025-12-18 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: NC

Complaint narrative:
I have a " XXXX XXXX '' loan with Ava Finance. The sole purpose of this product is to build credit history. Instead, Ava is damaging my credit by reporting me as XXXX days delinquent because their own payment system is technically broken. 

XXXX. Technical Refusal to Accept Payment : For months, Ava 's app ( via their vendor XXXX XXXX has rejected 3 of my valid checking accounts with the error " No eligible accounts, '' despite video proof that these accounts are active and funded. Their alternative " manual debit card '' option also fails to process. 

XXXX. Unfair & Deceptive Practice ( UDAAP Violation ) : While Ava claims they can not link my bank account to accept loan payments due to " connectivity issues, '' they are successfully auto-debiting my monthly " Membership Fee '' from that exact same bank account ( SECU ). They are utilizing the connection to collect their profit while blocking my ability to pay the loan obligation. 

XXXX. Inaccurate Credit Reporting ( FCRA Violation ) : I have sent Ava XXXX  video evidence of these errors multiple times. On XX/XX/year>, their support agent admitted in writing that my credit union has specific connectivity issues on their end. Despite acknowledging this technical failure, they continue to report me as " Late '' to XXXX XXXX, and XXXX. 

XXXX. Failure to Correct : I formally disputed this reporting with the company. They responded by verifying the negative information as " Accurate '' without providing a functional method for me to pay.

I am willing and able to pay. Ava is technically refusing the payment and punishing me for their own software failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX that is fraudulent and does not belong to me. 

The account is reported as originating from Affirm. I have not used Affirm in years, and I did not open or authorize this account. I did not receive prior billing statements, notices, or verification establishing that this debt is mine. 

XXXX XXXX XXXX XXXX is reporting this account without providing competent evidence of authorization, identity verification, or liability, making the reporting inaccurate and unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting that this account be properly investigated and removed if it can not be verified with original creditor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXXXXXX  Subject : Request to Correct Inaccurate Personal Information on My Credit Report I am writing to formally request corrections to inaccurate personal information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I ask that you update your records accordingly. 
The incorrect information currently listed on my credit file is as follows : Incorrect Information : Incorrect name : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Incorrect 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 Incorrect employer : XXXX XXXX XXXX Correct Information : Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX investigate this matter and update my credit file to reflect the correct personal information. I have enclosed copies of supporting documentation to verify my identity and the correct details, such as : Government-issued photo identification Proof of address and Social Security card These documents are provided solely for verification purposes. 
I respectfully request written confirmation once the corrections have been completed. If you require any additional information, please contact me at the address listed above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have told XXXX several times that is not my account ohave never lived on XXXX XXXX in XXXX XXXX this has to be identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
After reviewing my credit report, it is clear that the inaccurate information being reported is causing me significant stress and hardship. The volume of errors on my report is overwhelming, and it is deeply frustrating to have my financial stability affected by information that is not correct. As a consumer, I am entitled to fair and accurate reporting. It is unacceptable that I am forced to deal with the consequences of inaccurate data that continues to lower my credit score and limit my financial options.

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 2025-12-18 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: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX submit application and was informed by email that normal applications get processed within XXXX hours, and the maximum processing time is around XXXX days XX/XX/XXXX called service line following up on the progress and was told nothing wrong with my application but I have to wait due to increasing application volume XX/XX/XXXX Call service line asking why my application is over the normal reviewing window, was told the analyst will get back to me this week. A few hours later, called service line again and was informed by the system that they don't have my monthly mortgage information. 

First, I provided mortgage payment information in my application on XXXX XXXX, the service line confirmed my application is ok on XXXX Then why is my mortgage payment information missing on XX/XX/XXXX? Is the bank delaying the application process on purpose or the service line is not providing the right information on the calls on XXXX and 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 non-monetary relief
Consumer complaint received 2025-12-18 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, unverifiable, and improperly reported items appearing on my consumer credit report. Despite prior disputes, these items continue to be reported without proper investigation, documentation, or compliance with federal consumer protection laws. These inaccuracies are causing ongoing financial and reputational harm. 

Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have no knowledge of this address and have never resided at or used it in any capacity. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate disputed information Immediate deletion of this incorrect address from my Experian credit file. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  | Balance : {$0.00} | Reported Late Payment I dispute the accuracy and completeness of the reported late payment history. Reporting adverse information on a zero-balance account raises serious concerns of inaccurate or misleading reporting. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Inaccurate and misleading reporting 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishers duty to report accurate information 15 U.S.C. 1681i ( a ) ( 2 ) Failure to conduct a reasonable reinvestigation Correct and update the late payment history to reflect only verified and accurate information. 

XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$3800.00} | Reported Late Payment I dispute the timing, accuracy, and reporting of the late payments associated with this account. The information has not been properly verified. 
FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) Failure to properly reinvestigate 15 U.S.C. 1681s-2 ( b ) Failure of furnisher to investigate disputed data Immediate correction or update of any inaccurate late payment reporting.

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX  I have no knowledge of and did not authorize this credit inquiry. Experian has not demonstrated any permissible purpose for accessing my credit file. 
FCRA Violations : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681e ( b ) Inaccurate reporting of inquiry data This inquiry must be deleted immediately from my Experian credit report.

The continued reporting of inaccurate and unauthorized information violates the Fair Credit Reporting Act. I request immediate correction of inaccurate late payment reporting and deletion of unauthorized inquiries and incorrect personal information.

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 2025-12-18 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:
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NE

Complaint narrative:
I am submitting this complaint to formally dispute multiple collections, repossession accounts, late accounts, and misleading information reported inaccurately on my Experian, Equifax, and TransUnion credit reports, in violation of FDCPA 807, 808, 809, and FCRA 607 ( b ), 605 ( a ), 1666, and 611. The accounts in question include : XXXX XXXX ( Balance {$410.00} ), XXXX XXXX XXXXXXXX ( Balance {$350.00} ), XXXX XXXX XXXX ( Balance {$2500.00} ), XXXXXXXX XXXX XXXXXXXX ( Balance {$750.00} ), XXXX XXXX XXXX ( Balance {$890.00} ), XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX  ( Balance {$200.00} ), XXXX XXXX XXXXXXXX ( Balance {$1700.00} ), XXXX XXXX XXXXXXXX ( Balance {$0.00} ), XXXX XXXX XXXXXXXX ( Balance {$10000.00} ), XXXX ( Balance {$0.00} ), and XXXX ( Balance {$0.00} ). These accounts are inaccurately reported, some without verification or proper documentation, and do not reflect my true payment history or obligations. 

Additionally, several unauthorized inquiries appear on my reports, which do not belong to me and may result from mixed-file errors or mistaken identity, including : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX. Furthermore, inaccurate addresses are being reported that have never been associated with me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These inaccuracies, unauthorized inquiries, and misleading account information violate federal law, misrepresent my creditworthiness, and cause undue stress.

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 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-12-18 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-18 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: AR

Complaint narrative:
I am filing this complaint to dispute multiple ongoing inaccuracies and legal violations appearing on my consumer credit reports maintained by Equifax, Experian, and TransUnion, as well as by the furnishers reporting to them, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My reports contain inaccurate personal identifying information, including multiple addresses that have never belonged to me, which indicates possible mixed-file errors and violates FCRA 605, 607 ( b ), and 611. In addition, a closed account listed as XXXX with a XXXX balance is being reported with late payment history that appears obsolete or inaccurately maintained, contrary to FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Several charge-off accounts, including XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX , are being reported with incorrect balances, inaccurate Dates of First Delinquency, and continued negative reporting beyond allowable timeframes, in violation of FCRA 605 ( a ), 605 ( c ), 611, and 623, and without proper validation as required under FDCPA 807, 808, and 809. I am also disputing collection accounts reported by XXXX for XXXX XXXX and XXXX  XXXX for XXXX that lack proper validation and appear to involve inaccurate balances and reporting periods. Furthermore, my reports include numerous hard inquiries from auto lenders, retailers, and finance companies that I did not authorize or that lack a permissible purpose, in violation of FCRA 604 ( a ) and 605, yet these items remain despite my rights to dispute and correction. These ongoing failures to investigate, correct, or delete unverifiable information are causing significant financial harm and demonstrate noncompliance with federal consumer protection laws.

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