vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Equifax for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. 



Equifax is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately. 



Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts 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 Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} Inquiries : 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 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 2025-12-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX Acct XXXX XXXXXXXX due to inaccurate information and XXXX  denied to follow up with the investigation. I have been researching and seen that there was a lawsuit CFPB had against XXXX. They alleged the company of accepting unreliable information, failing to notify accurate and thoroughly investigating consumer dispute results. All of these different factors align with my problems because XXXX  has not attempted ton removed or correct any of the information on my consumer report. I am requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, car, and even building for my business! XXXX has violated my rights and a consumer as well as the XXXX  laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
My vehicle went through a voluntary repossession, but the original creditor, XXXX of XXXX / XXXX XXXX, engaged in multiple improper and fraudulent actions related to my loan and title documents. I originally agreed to be only the co-signer on the account, but the creditor listed me as the primary borrower without my knowledge or consent. This misrepresentation changed my legal and financial responsibility and was never explained to me. 

Before the repossession, the creditor contacted me claiming they were missing a signature from me that they needed for the title. I never provided this signature and did not authorize anyone to sign on my behalf. After the voluntary repossession of my XXXX  XXXX XXXX, I learned that the creditor submitted title paperwork containing a forged signature that is not mine. 

Additionally, after the vehicle was repossessed, the creditor resold the car. However, they did not apply the sale proceeds toward the remaining balance as required. This resulted in an inaccurate and inflated remaining debt that should have been reduced by the resale amount. 

Even though I voluntarily surrendered the vehicle, the creditors actionsincluding falsifying my role on the loan, forging my signature on official documents, and failing to properly credit the resale amountare fraudulent, deceptive, and harmful. I am requesting that the CFPB investigate these actions, review the incorrect loan and title documents, and evaluate how the creditor handled my account and remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-01 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: AZ

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-01 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: AZ

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-01 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 regarding the XXXX credit company, whom has written a charge off on my credit report. I would like to request a consideration to remove the charge off from my credit score as an adjustment. I will like to resolve any issue and kindly request the charge-off with a pay-for-delete agreement where I can pay a settled amount in exchange for to delete the charge off in my credit report. Taking into account the FCRA law, the credit union should not give the charge off to a third party as it violates the privacy towards the individual and should not be given access. Thank you for the time and consideration. I will improve my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding the XXXX credit company, whom has written a charge off on my credit report. I would like to request a consideration to remove the charge off from my credit score as an adjustment. I will like to resolve any issue and kindly request the charge-off with a pay-for-delete agreement where I can pay a settled amount in exchange for to delete the charge off in my credit report. Taking into account the FCRA law, the credit union should not give the charge off to a third party as it violates the privacy towards the individual and should not be given access. Thank you for the time and consideration. I will improve my financial behavior.

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 2025-12-01 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: CL Holdings LLC
State: PA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my WET signature & explanation of the amount and how it was calculated. I am requesting this account gets removed from my account as it does not belong to be and is unlawfully being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
I am submitting this follow-up to formally dispute several accounts appearing on my Equifax, TransUnion, and Experian credit reports that continue to be inaccurately reported. Upon detailed review of my file, I have identified discrepancies in both late open accounts and accounts marked as collections or charge-offs, which do not accurately reflect my payment history or account status. These inaccuracies are negatively affecting my credit profile and misrepresenting my financial responsibility. The accounts in question include XXXX XXXX XXXX XXXX ( Balance : {$250.00} ), XXXX XXXX  XXXX ( Balance : {$0.00} ), XXXX XXXX  XXXX ( Balance : {$0.00} ), and XXXX XXXX XXXX XXXX XXXX ( Balance : {$12000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
I am disputing an alleged debt because the company is attempting to collect the wrong amount and has provided false or misleading information regarding the validity of the debt. I requested full debt validation, including proof of ownership, itemized accounting, and documentation showing I am legally responsible for the debt. The company did not provide any of the required validation.

They are continuing to report and attempt to collect a balance that has not been verified, which is a violation of the FDCPA. Since they failed to validate the debt after my request, I am asking the CFPB to require the company to stop collection activity and remove the unverified debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 submitted multiple documents including an FTC report and police report concerning Identity Theft and after removing all the fraudulent accounts, my credit score of course increased. Then about 2-3 weeks later, all of the fraudulent accounts were added back on as if they were brand new accounts. I was given explanation as to why and because they were added like they were brand new it caused my credit score to plummet over XXXX points overnight. I provided all documentation requested or required to have my rights under the FCRA violated. This is ludacris, how am I supposed to trust a credit company to correctly handle my account when they violate basic consumer protection regulations. All 3 credit bureaus did this to me. I can't even refinance my vehicle now because of this. I shouldn't have to hire a lawyer and go to court to force them to remove fraudulent accounts from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted multiple documents including an FTC report and police report concerning Identity Theft and after removing all the fraudulent accounts, my credit score of course increased. Then about 2-3 weeks later, all of the fraudulent accounts were added back on as if they were brand new accounts. I was given explanation as to why and because they were added like they were brand new it caused my credit score to plummet over XXXX points overnight. I provided all documentation requested or required to have my rights under the FCRA violated. This is ludacris, how am I supposed to trust a credit company to correctly handle my account when they violate basic consumer protection regulations. All 3 credit bureaus did this to me. I can't even refinance my vehicle now because of this. I shouldn't have to hire a lawyer and go to court to force them to remove fraudulent accounts from my record.

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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence Resource management has placed a collection debt of {$1400.00} on my XXXX  credit report which is inaccurate. This debt does not belong to me. I have requested debt validation as this would prove that this debt does not belong to me. I know for certain that Cadence Resource Management is the 2nd Collection Agency that has tried to collect this debt for XXXX XXXX XXXX which was caused by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I ordered from XXXX XXXX XXXX and paid through Affirm. A short time later, XXXX XXXX canceled the entire order on their end before anything shipped. They emailed me directly confirming that the order was canceled and that I would be refunded. Because of that, I fully believed the situation was handled. This happened months ago, so as far as I knew, the loan should have been closed. 

XXXX XXXX never refunded me, and they also never notified Affirm that they canceled my order. They left the loan active even though they told me it was canceled. I didnt know any of this was happening. I assumed Affirm had been notified, since XXXX XXXX told me the order was canceled and the refund was being processed. 

Instead, without me knowing, Affirm continued charging me every month for a product I never received. I had no idea these payments were still active because I thought the cancellation went through. I only recently found out that Affirm was marking me as late and showing missed payments on my credit, which is now damaging my score. This has been extremely stressful because none of this was caused by me. 

When I discovered this, I opened a dispute with Affirm and submitted the emails from XXXX XXXX where they clearly said the order was canceled. I expected Affirm to handle it with the merchant. Instead, Affirm denied my dispute and said they didnt have enough evidence, even though XXXX XXXX XXXX admitted in writing that the order was canceled and never shipped. Im confused why Affirm isnt following up with the merchant when the mistake happened on the merchants side, not mine. I dont know what else I can possibly provide to prove that an order was canceled when Im literally forwarding the cancellation emails from the merchant themselves.

Now Im being told I owe over {$1300.00} for an order I never received, that was canceled by the merchant, and that Affirm continued charging me for without my knowledge. And on top of that, my credit has been negatively affected. This situation is not my fault, and Ive been left trying to fix an error between XXXX XXXX and Affirm that should have been handled months ago. 


I would also like to mention in the emails with XXXX XXXX back from XXXX they were trying to offer me store credit for my refund since they canceled my order even though I used affirm for my payment and I never agreed to receive store credit back. They shouldve issued a refund to the ORIGINAL payment method ( affirm ).

Company response to consumer: Closed with explanation