vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint because XXXX, continue to report inaccurate and unverified information on my credit file despite having submitted formal disputes on t Specifically, they continue reporting a charged-off account from Affirm Inc that I did not authorize.

I have never received proper verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) of the FCRA. I request that the CFPB require the credit bureaus to conduct a lawful reinvestigation and remove or correct unverifiable data.

These inaccuracies are negatively impacting my credit score and financial access. Supporting documents are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Yes I have been trying to get inquires of my credit report. There are a lot of miss reporting with all three credit agencies. These inquires should have been taken off after the allotted time. I like to have all the inquires taken off my credit report has soon has possible.

Thank you for your time on this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

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 2025-07-21 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: MD

Complaint narrative:
I recently review a copy of my credit report alot of inaccuracies reporting under this account and it is hurting my ability to obtain credit. It is my understanding that you will conduct a investigation for me to ensure maximum accuracy of this account below XXXX XXXX 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 2025-07-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing about a fraud account hard Inquiry that was put in my name. That was not Authorized by me.15 US Code 1681 or 18 US 1102A .On Capital One on XX/XX/year>, and Transunion has put the hard Inquiry on my report, XXXX  has fixed it on there account but Transunion has not Follow the same action, I am requesting a immediate cease of the Hard Inquiry on the account, And I would like to have any collections in XXXX XXXX be closed immediately deleted .Because that's not my name XXXX and legally not owned these alleged debts in this name, I would like accurate proof Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX phone number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I recently reviewed a copy of my report and noticed a fraudulent account on my report ( account XXXX ) this fraudulent account is not mine and need to be remove from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Theft Incident : AUTO LOAN Opened by the Thief ALLY FINANCIAL Name of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the account was opened. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Account number : XXXX Theft Incident : Fraudulent Auto Loan or Lease

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
Trying to get approval for a house and find out theirs I have demages on my credit report That prevents me from accessing credits According to 15 U.S.C 1681 there should be any damage on my credit report as a definition to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, I submited a {$2000.00} balance transfer on XX/XX/year>, from my barclays credit card to my XXXX XXXX debit account. However, the transfer was instead directed to an account associated with XXXX, which I did not authorize. 

I contacted Barclays immediately and was told by one representative that i wouldn't be responsible, while another said the opposite. Despite opening two separate numbers ( XXXX and XXXX ), I have not received any meaningful solution. 

XXXX XXXX confirmed they never received the funds. I attempted to contact XXXX but received no response. Barclays has been unreasonablyt slow in their investigation and I am still out {$2000.00}. 

I am requesting that Barclays refund the full amount and the interest that had accrued over time.

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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to express my deep concern and disappointment regarding the sudden closure of my Navy Federal Credit Union account. I have been a loyal member for five years and have never experienced any issues until recently, when I became a victim of identity theft.

While I was at work, unaware of any suspicious activity, someone used my personal informationincluding my Social Security number and nameto fraudulently attempt to open an account. Navy Federal contacted me, and I confirmed that I had not authorized the activity. Unfortunately, rather than launching a thorough investigation into the incidentsuch as reviewing the IP address or location of the unauthorized attemptmy account was abruptly closed without explanation or further follow-up.

Since then, I have taken steps to protect my identity, including placing a credit lock on my credit reports. I have also attempted to reach out to the investigation team multiple times via email, but I have yet to receive any response. The lack of communication and support has been both frustrating and disheartening.

I truly valued my relationship with Navy Federal and hoped to resolve this matter professionally. However, the handling of this situation has left me feeling neglected and unsupported during a vulnerable time. I respectfully request a full review of my case and a proper investigation into the unauthorized activity that led to the closure of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney & # 39 ; s fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I visited XXXX XXXX  to get information about a XXXX  procedure. The staff member I spoke with was very pleasant and provided some general details about the service. When I asked about the cost, she mentioned that I could apply for financing with no interest charges, only soft credit so it will not impact me. I expressed interest and agreed to check if I qualified, so she completed the credit application form. She later informed me that I was approved for financing and invited me to schedule the procedure for the following Friday. 

I told her I needed to think it over and would call the next day to confirm whether or not I wanted to proceed. The next day, I called and informed her that I did not want to move forward with the procedure. I explained that I am in the process of buying a house and did not want any new accounts affecting my credit. She assured me that this was fine, and I forgot about the matter. 

Several weeks later, I received a call from XXXX notifying me of a charge on my account for services I never received. I told them I had not authorized any charges, had not undergone any procedures, and did not receive any services from XXXX XXXX. Another representative called me a week later, and I reiterated the same information. At that point, they opened a fraud investigation. 

When I called XXXX for an update, I was told the investigation could take until XXXX. In the meantime, they reduced the balance from {$4500.00} to {$1600.00}. I questioned how there could be any balance at all since I had received no services, but they told me I would need to wait for the investigation to conclude. 

Despite being told the matter was under investigation, I continued to receive daily calls from XXXX/comenity bank. Each time, I requested to speak with the fraud department, but was repeatedly transferred between fraud and customer service, with each assuring me the case was still pending and that I should not be receiving further calls. Nevertheless, the calls continued, resulting in a frustrating cycle throughout XXXX. 

On XX/XX/XXXX, I was informed that the investigation was closed and that I was liable for the charges. I asked what the charges were for, emphasizing that I never received any services, but the representative could not provide details, citing HIPAA regulations. They said they had no proof but would continue to charge me.

Company response to consumer: Closed with monetary relief
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: FL

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 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian regarding several unauthorized and disputed hard inquiries that are currently appearing on my credit report. I believe these inquiries are erroneous and are negatively impacting my credit score.

I have identified the following hard inquiries on my Experian credit report, all dated XX/XX/XXXX, which I did not authorize or initiate : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I did not apply for credit with any of these entities on the dates listed, nor did I provide authorization for these companies to pull my credit report. These inquiries are therefore unauthorized and should be removed immediately.

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 2025-07-22 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
In XX/XX/year>, I had got a copy of my credit report and saying that there was a lot of an accurate information that did not belong to me. I recently discovered I was a victim of identity that during this time I have reported this problem to the local authorities in XXXX XXXX and I sent to the FTC which I have a reference number for. XXXX. I have been getting phone calls from unknown sources trying to work with the companies, but they are not working with me.We discovered it was my ex stepfather and he used mine and my moms name. We are prosecuting this to the full extent of the law. We wish to have the information deleted and removed from the report .. there are several inquiries. I will list them below. There is a collection account on a utility company. Also that does not belong to me. 
The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all three of my reports. 
There is also a collection account from Helvey and associates from XXXX, Indiana in regards of XXXX XXXX  account number ending in XXXX for the amount of {$460.00} that does not belong to me. I reached out to this company last month. I have yet to hear back from them. 
I also have been getting collection calls from XXXX  I have let them know that it does not belong to me. They have yet failed to send me any information on the address to where the services was used or any information towards it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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