vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
The car broke down at a gas station and I needed a few days to get my things together and when I got back to the location where the car was broke down they repo my car and didnt give me enough time to fix it. And they also re-sold the car. XXXXXX/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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
The purchase was made under the impression that I had won a free baby photoshoot, promoted on XXXX. However, the experience was highly misleading and emotionally manipulative. After being told I won a free photoshoot, I was required to pay a {$99.00} deposit a red flag for a supposedly free service. 
Following the photoshoot ( which lasted only 30 minutes, with no wardrobe, makeup, or background options ), we were brought into a dark room and subjected to a high-pressure, emotionally driven sales pitch. The sales team used personal information we had shared about our baby to emotionally manipulate us into purchasing a {$5000.00} portrait package grossly overpriced for 12 edited photos.

At no point were we clearly told that we could simply walk away with the free portrait that was initially offered. We felt cornered and overwhelmed, especially as new parents.

Importantly, I requested cancellation less than 24 hours after the purchase, before any production or customization of portraits had begun. The merchant is now refusing to cancel the transaction, despite the fact that no services or physical goods have been delivered. 

These tactics fall under deceptive and unethical business practices, and I asked Affirm to intervene and cancel the associated financing agreement. I am happy to provide documentation, communication, or proof of the misleading experience. 
Affirm closed the dispute in favor of XXXX XXXX I will be submitting another complaint directly about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: IL

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX Balance : {$840.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to report multiple serious inaccuracies and violations on my credit report that are currently harming my creditworthiness and financial opportunities. Despite previous disputes with the credit bureaus and data furnishers, the following items remain unresolved and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure these items are properly investigated and deleted. 
Account : XXXX XXXX XXXX | Date Opened : XX/XX/year> | Balance : {$4300.00} | Collection Issue : This collection account is unauthorized, unverifiable, and possibly fraudulent. No debt validation letter was sent.

Law : Violates FDCPA Section 809 ( 15 USC 1692g ) failure to validate debt ; FCRA Section 611 failure to correct or delete inaccurate data ; FCRA Section 607 ( b ) requirement to maintain accuracy. 
Story : I never applied for or opened a credit account with XXXX XXXX. I never received any written notice or validation within 5 days of this account being placed in collections, which is a serious legal violation. This debt may have been created without my consent or knowledge, indicating possible identity theft or creditor error. Despite my previous disputes, the credit bureaus and data furnishers have continued to report this without providing any validation, original contract, or documentation. This is not only illegal but has cost me numerous opportunities and created significant mental and financial stress. 
Conclusion and XXXX XXXX : I am requesting that the CFPB initiate a full investigation into each of the items listed above. These items are either unverifiable, inaccurate, unauthorized, or unlawfully reported. They are causing significant emotional, financial, and reputational harm to me. If the data furnishers and credit reporting agencies can not provide full, accurate, and lawful documentation within the legal timeframe, I request all the disputed items be immediately deleted from my credit reports. 
I also request that any creditor or furnisher found to be in violation of the FCRA or FDCPA be held accountable as per applicable federal enforcement guidelines.

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 2025-07-30 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to respond to a dispute letter I mailed via XXXX Certified Mail ( Tracking # XXXX ) on XX/XX/2025. In this letter, I requested an investigation into inaccuracies on my credit report, including corrections to incorrect personal information. 
To verify my identity and address, I included the following documentation : A copy of my photo ID, W2 as proof of my social security number, and a recent utility bill reflecting my current address. 
According to XXXX tracking records, Equifax received the letter on XXXX XXXX, 2025. As of today, I have received no response, results, or acknowledgment of the disputedespite more than 30 days having passed since delivery. 
Under the Fair Credit Reporting Act, Equifax is legally obligated to conduct a reasonable investigation and report the results to the consumer within 30 days of receiving a dispute. Equifaxs complete inaction is a clear violation of this federal requirement and directly undermines my consumer rights. 
This delay is not only unacceptable but also harmful, as it affects my ability to maintain accurate records and access financial services. It reflects a disregard for compliance with federal consumer protection laws. 
Ive attached a copy of the dispute letter sent to Equifax along with the XXXX Certified Mail proof of delivery as supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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. 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 2025-07-30 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:
I am writing to bring to your attention a concerning discrepancy on my credit report. Upon reviewing my recent credit report, I discovered an account that is inaccurately associated with my name. This account, [ Account Name ], appears to be fraudulent in nature and is not affiliated with me in any capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XXXX To Whom It May Concern : My wife and I were guarantors on a business credit card for a company ( XXXX XXXX XXXX ) that was put out of business by malfeasance on the part of an SBA Lender ( XXXX XXXX XXXX  ). 

This issue is being investigated by both the US Government and there is pending litigation related to it. Our lawyers have instructed us NOT TO PAY ANY COMPANY DEBT until both the US Government investigations and pending litigation are resolved.

All the former company 's creditors have been understanding and have not harmed our personal credit, except American Express. American Express has, in contrast, been abusive and vindictive, dinging our personal credit reports once to twice per month beginning on XXXX XXXX XXXX ( nice touch ), for a total of 12 separate derogatory reports for the same issue as of this week.

This is not only unethical, but it is also illegal ( it is a direct violation of the Consumer Fair Credit Reporting Act ). 

I'll note that my wife and I continue to service and pay down our personal AmexEx account ( which they've also cancelled ) in a timely manner as we have with all our other personal accounts. 

I'll further note that I have been a " member '' of American Express for well over 30 years and have used American Express in multiple ways for multiple companies ( including giving them a substantial amount of business when I was an executive at XXXX XXXX XXXX... ). 

We are asking that derogatory reports from American Express be removed except the first one noting the charge-off ... and that American Express stop attacking us.

The business account was charged-off by American Express in XXXX ( and American Express likely took the " bad debt '' expense on their XXXX  tax return ). 

To continue to ding our credit once or twice per month since that time is, as I've stated unethical and illegal. Further, it serves no purpose other than to cause pain... 

I an aso attaching a copy of a detailed letter that we were asked to submit to the US Congress last May explaining these circumstances. As I said, the US Government ( multiple entities in both the SBA and US Congress ) are looking into this issue... 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: SC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-30 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: AZ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : BRCLYGAP XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
The questions were neither foreseen nor sanctioned. Please respond quickly and assess the related documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Hello, I had seen an offer on AMEX for numerous cards. They were teared based on the level of card you went with. 

I chose the AMEX platinum card because the offer included the ability to get up to XXXX points. 

I have spent {$25000.00} on my card in the last four months which far surpasses their requirement to get a points offer. 

They gave me XXXX points but they are still owing me XXXX. 

There are current offers for XXXX points if you spent {$8000.00}. A much better offer than when I had signed up. So I find it bizarre that theyre not even willing to I pulled the terms of my original offer. 

To confirm, they owe me XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There have been multiple unauthorized inquiries on my credit report that have directly damaged both my credit and my score. I previously contacted your agency regarding this issue and was assured by a representative that these inquiries would be removed. That assurance has not been honored these inquiries remain. 

This failure to act is unacceptable. The ongoing presence of these unauthorized and potentially fraudulent entries raises serious concerns, including the possibility of identity theft. The delay in addressing this issue is causing continued emotional distress and financial harm.

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