vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute and request the removal of all negative accounts, collections, charge-offs, hard inquiries, and other derogatory marks currently listed under my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g and 1681i, I have exercised my legal right to request verification and validation of each debt allegedly associated with me. Specifically, I requested copies of any original signed contracts or agreements bearing my signature that substantiate my legal responsibility for these accounts.

To date, none of the creditors or collection agencies have provided any original documentation bearing my signature to verify the validity of these debts. As such, under FCRA Section 609 ( a ) ( 1 ), you are required to provide all information in your files, including sources and original documentation. Failing to do so constitutes a violation of both federal and consumer rights protections. 

Additionally, continued reporting of unverified and unvalidated accounts violates FCRA 611, which mandates that all information must be accurate and verifiable. If the credit reporting agencies can not verify the information within XXXX XXXX, it must be deleted from the consumers credit file. 
Therefore, I am formally demanding the immediate removal of all unverifiable and inaccurate items from my credit report, including but not limited to : All negative balances Collections accounts Charge-offs Hard inquiries Any derogatory information not supported by verified, signed agreements.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally dispute and request the removal of all negative accounts, collections, charge-offs, hard inquiries, and other derogatory marks currently listed under my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g and 1681i, I have exercised my legal right to request verification and validation of each debt allegedly associated with me. Specifically, I requested copies of any original signed contracts or agreements bearing my signature that substantiate my legal responsibility for these accounts.

To date, none of the creditors or collection agencies have provided any original documentation bearing my signature to verify the validity of these debts. As such, under FCRA Section 609 ( a ) ( 1 ), you are required to provide all information in your files, including sources and original documentation. Failing to do so constitutes a violation of both federal and consumer rights protections. 

Additionally, continued reporting of unverified and unvalidated accounts violates FCRA 611, which mandates that all information must be accurate and verifiable. If the credit reporting agencies can not verify the information within XXXX XXXX, it must be deleted from the consumers credit file. 
Therefore, I am formally demanding the immediate removal of all unverifiable and inaccurate items from my credit report, including but not limited to : All negative balances Collections accounts Charge-offs Hard inquiries Any derogatory information not supported by verified, signed agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

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 2025-07-21 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-07-21 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: Pinata Rent, Inc
State: FL

Complaint narrative:
I got an alert this morning that a new account was added to my credit report this morning XX/XX/XXXX. So I got the number off my credit report to reach out to them and let them know that it's not me. That it's identity theft but the phone hangs up everytime I called the number. So I filed a dispute with the credit bureau for identity theft. The Company name is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX. My credit report states that the account was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: MS

Complaint narrative:
I informed that I would pay in full on XX/XX/year>, amount, {$18000.00}. The Upgrade representative told me she would call me back with resolution on XX/XX/year> and then I could pay account in full. On XX/XX/year>, i did not hear from upgrade. On XX/XX/year> I paid the amount {$18000.00}. wrote paid in full on check and they received it applied it to my account, the check was cashed. A few days after they said I owe {$880.00}. I did not agree with paying more money as I paid account in full to resolve the relationship in good faith. On XXXX I paid {$820.00} paid in full. Now they are billing for more payment of {$120.00}. The payoff amount continue to change and I do not agree with this type of billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XXXX XXXX, I placed an order for an XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SKU : XXXX Price : {$630.00} From XXXX  XXXX XXXX XXXX after a month of not receiving the product i called and asked for a refund, they sent me a confirmation email on XX/XX/year> confirming my refund. I attached this email below. 
After waiting 30 days for Affirm to receive my refund they still never received it. I called both company 's and XXXX XXXX XXXX  is claiming they sent the refund, I called affirm again and they have not received it from them, I am now paying for a product I never received that is in limbo between both company 's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to formally assert that my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., have been violated. I have reason to believe that one or more consumer reporting agencies ( CRAs ), without my informed consent or lawful purpose, have used, disclosed, or otherwise traded my personal credit information for purposes of profit, data exchange, or resale to third parties not authorized under the law.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as credit, insurance, employment, or other purposes explicitly authorized by the consumer. At no time did I provide explicit written permission for the use of my consumer report in data trading, resale, or marketing efforts that fall outside these legally permissible purposes.

Furthermore, the dissemination or sale of my personal information for profit without my direct knowledge or informed consent may also constitute a violation of 15 U.S.C. 1681e, which requires consumer reporting agencies to maintain reasonable procedures to ensure that reports are furnished only for legitimate and authorized uses. 

If this conduct has in fact occurred, it would represent an unlawful exploitation of my private data and a breach of federal consumer protection law. I am requesting a full investigation, a clear accounting of where and to whom my consumer information was disclosed, and immediate corrective action to cease any ongoing misuse of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 writing to formally assert that my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., have been violated. I have reason to believe that one or more consumer reporting agencies ( CRAs ), without my informed consent or lawful purpose, have used, disclosed, or otherwise traded my personal credit information for purposes of profit, data exchange, or resale to third parties not authorized under the law.

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, such as credit, insurance, employment, or other purposes explicitly authorized by the consumer. At no time did I provide explicit written permission for the use of my consumer report in data trading, resale, or marketing efforts that fall outside these legally permissible purposes.

Furthermore, the dissemination or sale of my personal information for profit without my direct knowledge or informed consent may also constitute a violation of 15 U.S.C. 1681e, which requires consumer reporting agencies to maintain reasonable procedures to ensure that reports are furnished only for legitimate and authorized uses. 

If this conduct has in fact occurred, it would represent an unlawful exploitation of my private data and a breach of federal consumer protection law. I am requesting a full investigation, a clear accounting of where and to whom my consumer information was disclosed, and immediate corrective action to cease any ongoing misuse of my data.

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 2025-07-21 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: RFNA, LP
State: MS

Complaint narrative:
Companies Involved : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : Unlawful or Unauthorized Hard Inquiries and Damaging Credit Reporting To Whom It May Concern, This formal complaint is being submitted regarding multiple unauthorized and/or unsubstantiated hard credit inquiries made against my credit file by the following financial institutions : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon careful review of my credit report, I have identified hard inquiries from these institutions that I did not authorize, initiate, or consent to. These inquiries have directly contributed to a lowered credit score, impacted my creditworthiness, and interfered with my ability to access legitimate financial services through proper channels.

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681b ], a hard inquiry can only be placed on a consumers credit file with the consumers explicit authorization and permissible purpose. The aforementioned institutions have failed to meet that threshold. At no point did I submit a written or electronic application, nor did I verbally authorize these institutions to pull my credit.

Furthermore, under Mississippi state law ( Miss. Code Ann. 81-5-63 ) and federal consumer protections, financial institutions are required to ensure all credit-related actions are based on lawful, verified, and consensual activity. These institutions failure to obtain valid consent before performing credit inquiries may constitute negligent or willful violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My fianc put a cashiers check in my account. Showed teller her SSC and ID she signed and I signed on XX/XX/XXXX before it was supposed to clear chase shut my account down and stole the money and my payroll direct deposited in my account. Refuses to give us access to the money or accounts. Saying they need her verification by a phone number. We went and got her a phone it is verified on every system I can look up. Bank refuses to tell me what system they use. And stole our money and now getting evicted because of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: IN

Complaint narrative:
On XX/XX/XXXX we purchased a vehicle from XXXX XXXX and were told we would receive a welcome package from Global Lending Services. We moved shortly after but gave XXXX XXXX two forms of proof of address and we had already setup our mail forwarding. So, had Global Lending Services actually sent the welcome package in the mail as we were told they would, it would have either gotten send back to them or forwarded to us. So, the first payment is now late because not only did they never send us the information so we would know the due date and the interest rate, but we have no information to set up an online account. We are not going to pay over the phone on a loan where the interest rate and due date are not visible in front of us and we have been sent none of this information. I spoke to 2 different customer service personnell and despite asking them to send it again, have not received it. What I have received are calls two times a day from Tuesday of last week but no welcome package. As a lender you are required by law to disclose that information but are not cooperating. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in " repeated or continuous calls '' with the intent to annoy, abuse, or harass the consumer. 7-in-7 Rule : A key aspect of the FDCPA is the " 7-in-7 rule ''. This means a debt collector can't call more than seven times within a seven-day period. They also can not call again within seven days of having a phone conversation with the consumer about the debt. I had spoken to them already one time last week about the debt and the fact we never received the required information and they continued to call me two times a day. That is against the law. Wanting me to pay but refusing to send the information that has been requested, mentioned once to the first person, and twice to the second person, is I believe, illegal. I am asking for the welcome package and then will be happy to set up an account an pay what's due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding an ongoing issue with my Equifax credit report. While I am able to access my complete credit reports and scores without any issues from both XXXX  and XXXX, my Equifax report still does not contain any credit information or score. 

I have submitted two separate disputes to Equifax in an effort to resolve this matter. Unfortunately, the issue remains unresolved, and my credit history continues to be missing from their system. This has already negatively impacted me in two significant ways : Lease Application Denial : My application for a lease at my current apartment complex was denied because they used Equifax to check my credit, and Equifax failed to provide any information. 

Vehicle Loan Inquiry : When I attempted to secure a vehicle loan, the dealer informed me that no credit score was available due to the lack of data from Equifax. 

As a consumer, this situation is deeply frustrating. I have verified that my credit information, including full credit history and score, is available and accurate on both XXXX  and XXXX  platforms. However, Equifax continues to show no data, despite my attempts to resolve the matter through their dispute process. 

I am willing to provide any additional documentation or identification necessary to correct this issue. I respectfully request your assistance in resolving this matter so that it does not continue to negatively impact my financial opportunities. 

Thank you for your time and support

Company response to consumer: Closed with explanation