vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My husband passed away and I have been advised that he had an account with XXXX XXXX XXXX and had me as the co-applicant. I was unaware of this and the bank even said that no card for me had been issued since XXXX all charges on the account were made by my deceased husband prior to his passing. 
I repeatedly advised them that I was unaware of this account nor did I have authorize this account in my name.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My husband passed away and I have been advised that he had an account with XXXX XXXX XXXX and had me as the co-applicant. I was unaware of this and the bank even said that no card for me had been issued since XXXX all charges on the account were made by my deceased husband prior to his passing. 
I repeatedly advised them that I was unaware of this account nor did I have authorize this account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am not aware of these requests, which appear unauthorized and potentially fraudulent. Please investigate and rectify this issue immediately. Relevant documentation is enclosed.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank, XXXX XXXX, XXXX Someone got a credit card in my name, based on a Chase account that must have had significant money deposited, and unknown to me. My credit was trashed in XXXX and I have not used credit of any type since. Someone had my Social Security number as well. This person lives in my building, they must, as I never received any notification for any card or transactions. The XXXX XXXX XXXX  sent a garnishment letter received XX/XX/XXXX. 

I am freaking out. They also did this at XXXX. 

My address is XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX  XXXX The balance due is {$93000.00}. XXXX XXXX number XXXX. My checking account has been liened. Yes liened. My balance at Chase XXXX XXXX checking account has never exceeded {$9500.00} opened four years ago. I need to sue Chase and XXXX XXXX. Can you please investigate and find out what happened and how? 

I suspect the person is XXXX XXXX ( likely an alias ) and also XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX and XXXX XXXX. Both had access to my Social Security number and both speak often. XXXX likely bought a XXXX XXXX on the credit card. Her real name maybe XXXX XXXX, an XXXX XXXX from XXXX XXXX in New York. 

Ask XXXX XXXX about childhood XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified.

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

OFFICE OF THE ATTY XXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX UNKNOWN # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX I used Affirm to finance a purchase from XXXX XXXX. The loan was approved, and the full amount was charged to my Affirm account. However, the order was automatically canceled by XXXX XXXX, and no product was ever shipped or received. 

XXXX XXXX has confirmed there is no record of the order being processed or fulfilled. Despite this, Affirm has not canceled the charge and continues to show a balance due on my account. I have contacted Affirm customer service multiple times and was told I have to wait until XXXX for the charge to be removed automatically. 

I have requested that Affirm manually close or reverse the loan given that the merchant confirms no sale occurred. Affirm has refused to act, even after being provided documentation. I am disputing this charge as invalid and am requesting that Affirm immediately cancel the loan and remove any obligation from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MN

Complaint narrative:
Ive asked the equafax to remove the information from my report witch has cases me to loose employment opportunity and even housing opportunities for me and my family not to mention all the trouble getting a credit card or even a cellphone for me and my loved ones dude to this Ive became homeless and cuz of this Im in able to provide for me an my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
When I went through my credit profile XXXX seen inquiries that do not belong to me.

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 2025-07-18 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, IN XXXX XXXX Date : XXXX To Whom It May Concern, I am writing to dispute an inaccurate judgment being reported on my credit file by Credit Acceptance, dated XX/XX/XXXX, related to a vehicle that was repossessed in XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 602, 607, and 609, I am demanding immediate investigation and removal of this judgment for the following reasons : No Proper Service I was never served any court documents, summons, or notice regarding this case. A judgment obtained without proper service is legally invalid and can not be reported to consumer reporting agencies. 


Violation of FCRA Verification Requirements I am requesting, per FCRA Section 609 ( a ) ( XXXX ), the method of verification used to report and confirm this public record. Credit bureaus are required to maintain reasonable procedures to ensure accuracy. If you can not verify this information directly with the original source, it must be deleted. 


Misleading/Inaccurate Reporting Reporting a judgment without clear verification of legal service and procedural due process is misleading and in violation of FCRA Section 607 ( b ).

This judgment is damaging my credit file and was entered under questionable legal circumstances. I hereby request that you : Conduct a full reinvestigation, Provide all documentation used to verify the item, including any affidavit of service, and Delete this judgment from my credit report immediately if it can not be fully verified. 


You are required to respond within 30 days per federal law. If this account is not removed or corrected, I will pursue legal remedies under the FCRA and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Indiana Attorney General. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : RE : Formal Demand for Deletion of All Negative Items Under 15 U.S. Code 1681s-2 ( c ) ( 2 ) This letter serves as formal notice and demand pursuant to 15 U.S. Code 1681s-2 ( c ) ( 2 ) for the immediate removal of all inaccurate, obsolete, unverifiable, and misleading negative information being reported on my credit file. I have submitted a complaint and supporting documentation to the Consumer Financial Protection Bureau ( CFPB ), and this demand is being made in parallel. 

Under federal law, you are now in receipt of direct notice that the items in question are inaccurate, not properly verified, and in violation of federal reporting standards, and you are legally obligated to conduct a reinvestigation and remove such items if they can not be verified with documented proof. 

You are hereby notified that failure to remove these negative items within XXXX calendar days of this notice and my CFPB upload will constitute willful noncompliance with the Fair Credit Reporting Act, and I will take the next legal steps, including but not limited to : Filing a formal complaint with the FTC, State Attorney General, and other regulatory bodies, Initiating civil action for damages under 15 U.S.C. 1681n and 1681o, Seeking statutory damages for each violation and legal remedies for emotional distress, defamation, and negligent enablement of identity fraud ( where applicable ). 

This is your opportunity to remedy the situation voluntarily. You are instructed to : XXXX. Delete all negative accounts, inquiries, and derogatory entries that are unverifiable, inaccurate, or outdated ; XXXX. Provide me with a written response within XXXX business days confirming the deletions ; XXXX. Update the credit reporting agencies accordingly to reflect the deletions. 

This is not a requestit is a statutory demand for compliance. I am asserting my rights under FCRA, and your failure to act promptly may expose you to federal liability. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Given my consistent punctuality, the late payment on my account is unexpected and upsetting. Please remove it quickly to maintain accuracy.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it 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