vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you as the primary account holder of Auto Loan Account XXXX XXXX  XXXX, currently reported as open and active. After thoroughly reviewing my credit report, I have found erroneous late payment entries reported for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, which I must formally dispute. 

Disputed Information Summary : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Auto Loan Payment Amount : XXXX XXXX Date Opened : XX/XX/XXXX Account Status : Open, Current Disputed Months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bureau Code : Individual

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 2025-05-23 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: NY

Complaint narrative:
I am writing to you as the primary account holder of Auto Loan Account XXXX XXXX XXXXXXXX, currently reported as open and active. After thoroughly reviewing my credit report, I have found erroneous late payment entries reported for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, which I must formally dispute. 

Disputed Information Summary : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Auto Loan Payment Amount : XXXX XXXXmonth Date Opened : XX/XX/XXXX Account Status : Open, Current Disputed Months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bureau Code : Individual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you as the primary account holder of Auto Loan Account XXXX XXXX XXXXXXXX, currently reported as open and active. After thoroughly reviewing my credit report, I have found erroneous late payment entries reported for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX, which I must formally dispute. 

Disputed Information Summary : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Installment Auto Loan Payment Amount : XXXX XXXXmonth Date Opened : XX/XX/XXXX Account Status : Open, Current Disputed Months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bureau Code : Individual

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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I spoke with several people at XXXX company including supervisors to get tge correct payoff amount. I paid the XXXX they said I owned to pay tge vehicle off but receive a letter stating I still owe XXXX for late fees.They are dishonest and ripping off the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
XXXX accessed my personal XXXX financial data through the Department of education!! 
MY personal XXXX financial information was compromised without my authorization. 
the XXXX XXXX XXXX XXXX Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX XXXX your responsibility XXXX safeguard my information. 
Given the severity of this breach XXXX the resulting compromise of my personal XXXX financial information, I request that you immediately cancel XXXX discharge my student loan debt in full.

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 2025-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX the XXXX I was trying to make a purchase with XXXX for a concert. When I see the amount that they charged me, {$760.00} I notice I purchase XXXX by error. XXXX does not accept any cancellations of any kind, I tried calling, on the chat online, nothing! In within minutes, I called Capital One to stop this transaction. I explain the situation and they gladly accepted to help. In less than XXXX hrs. my charges were gone. I was very happy thinking they took care of it.After XXXX months Capital One posted the XXXX back on my account and this is when this dilemma that no one wants to pay, started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: NV

Complaint narrative:
This is a formal complaint against UPGRADE INC concerning a charged-off account being improperly reported on my credit file in violation of federal law. I am demanding immediate corrective action, including deletion of the account from all consumer reporting agencies and issuance of IRS Form XXXX, if applicable. 

Account Information : Creditor Name : UPGRADE INC Account Number : XXXX Amount Charged Off : {$9200.00} Date of Charge-Off ( if known ) : XX/XX/year> Legal Violations and Issues Raised : XXXX. Failure to Provide IRS Form XXXX : Under IRS regulations XXXX XXXX XXXX Code XXXX ), financial institutions are required to file Form XXXX with the IRS and provide a copy to the borrower when a debt of {$600.00} or more is canceled or forgiven. If the creditor claims to have charged off this account and considers the debt uncollectible, I am legally entitled to receive a copy of this form. As of today, I have received no such documentation. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( b ) : If the debt has been canceled or discharged and a XXXX has been filed, the continued reporting of the debt as charged off or past due is inaccurate, misleading, and in violation of the FCRA. Furnishers of information are required to report only accurate and complete information to consumer reporting agencies. Failure to do so can result in legal consequences, including statutory damages, attorney fees, and punitive damages. 
XXXX. Violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX : If a third-party collector is involved and continues to pursue collection on a canceled debt, this constitutes a false or misleading representation of the legal status of the debt, in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX sold me a defective freezer unit I've reached out numerous times to customer service and the warranty department to receive no response therefore I put dispute in with Affirm who did not look at any supporting documents because its clear I've reach out to XXXX XXXX and received no response. My dispute with Affirm was put in just for them to side with the merchant based on lies as my documents contradicts what they are saying. The unit does not work, its not the description displayed, customer service or warranty dept does not answer. I have a right to a refund within 14 days which I requested. Affirm is not vetting these companies out properly but they are allowing consumers to take out installment loans on non-reputable companies and then siding with them when the company has clearly validated my consumer rights. Affirm has clear cut and more than enough supporting documents to side with me, the consumer. I have provided photos and videos that clearly shows a defective product and the merchant not responding. Now Affirm is sending notice regarding the account being past due and warning of effecting my credit which has forced my hand to pay so I don't harm my personal credit. Affirm, XXXX XXXX, CA and XXXX XXXX, XXXX, TX need to be handle accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 did not apply nor authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Delete from my credit report 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 2025-05-23 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a medical collection account reported by XXXX XXXX XXXX XXXX  in the amount of {$1400.00}. 

I have contacted the hospital and emergency room in question, and they confirmed that there is no account under my name and that they do not work with XXXX XXXX XXXX XXXX Furthermore, I have maintained continuous health insurance coverage through Medicaid during the time in question. The debt collector has stated that insurance will not cover the amount due to the time that has passed, but I had valid insurance at the time of service, and this debt should not exist. 

I have already disputed this account with XXXX, and it has been removed from my report. It was also removed through XXXX XXXX. I am now requesting that XXXX  also remove this incorrect and unverifiable account from my credit report. 

This collection is not valid, and I am requesting it be removed as it is causing unnecessary harm to my credit profile. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
I am submitting this complaint because I am unable to view my XXXX  credit report through Equifaxs credit monitoring service. While my Equifax report is accessible, the XXXX  report is either unavailable or not displaying at all. This issue prevents me from monitoring my full credit profile and affects my ability to detect errors or fraud. I have contacted Equifax to resolve the matter but have not received a solution. I request the CFPBs assistance to help ensure full access to my XXXX credit data.

Company response to consumer: Closed with non-monetary relief