vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Dispute Of Inaccurate Credit Reporting - Account Closed on XX/XX/XXXX To Whom It May Concern, This letter is to formally dispute the continued reporting of late payments on the XXXX account listed as a Flexible Spending Credit Card, which was closed and charged off as of XX/XX/XXXX. 

According to the information reflected on my credit report, your company is reporting late payments after the date of charge-off and account closure, including derogatory marks listed as late in all of XXXX and XXXX. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2, which prohibits the reporting of inaccurate or misleading information to consumer reporting agencies. 

Once an account is closed and charged off, no further late payments can legally be added, as not active billing cycle or payment schedule exists post-charge-off. Therefore, the reporting of post-closure delinquencies is not only misleading by also unlawful. 

I am requesting the following actions : 1. Immediate deletion of all inaccurately reported late payments occurring after the charge-off/closure date of XX/XX/XXXX. 
2. A full reinvestigation of this account and correction of the reporting across all consumer credit reporting agencies ( Experian, Equifax, and TransUnion ).

3. Written confirmation that the inaccurate information has been corrected or deleted. 

Please consider this letter a formal dispute and a demand for reinvestigation under the FCRA. I request a response within 30 days as required by law. If the inaccurate reporting is not corrected promptly, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's office, and pursue all remedies available under federal law. 

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 non-monetary relief
Consumer complaint received 2025-06-22 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding an Affirm Inc account ( ending in XXXX ) that inaccurately reports XXXX delinquencies from XXXX to XX/XX/year>. The payment history shows a payment made in XX/XX/year> and no activity in XXXX or XXXX, yet late marks begin in XXXX without a verifiable sequence of events. 

This reporting is factually inconsistent and misleading. The account has remained open and unpaid for over XXXX  days without being charged-off or properly transferred to collections, violating Metro 2 reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ).

I previously submitted a dispute to the credit bureau, but the tradeline was merely updated without any supporting documentation or full payment record from Affirm. This response failed to satisfy the requirements under FCRA 607 ( b ), which mandates that only accurate and fully verifiable information be reported. 

This is not a request for correction I am seeking formal regulatory review. If Affirm can not provide full and legally sufficient documentation to support the reporting, I am requesting full deletion of this tradeline from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

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 # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLLECTION XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXXXXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

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 2025-06-22 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: SC

Complaint narrative:
A fraudulent account was added to my credit reports by XXXX XXXX XXXX, with XXXX listed as the original creditor. I do not have, nor have I ever had, an account with XXXX. This account was opened without my authorization and is the result of identity theft. 

I submitted formal disputes to Equifax, Experian, and TransUnion under the Fair Credit Reporting Act ( FCRA ) 605B, including an FTC Identity Theft Affidavit, a police report, a government-issued ID, and a marked copy of my credit report showing the fraudulent item. 

Despite providing all legally required documentation, all three credit bureaus failed to block the fraudulent account. Instead, they responded that the account Meets requirement of the Fair Credit Reporting Act and did not remove or suppress the item. This response violates FCRA 605B, which requires the account to be blocked within four business days of receiving proper notice. 

I am requesting CFPB assistance to ensure the credit bureaus comply with federal law and immediately block the fraudulent account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
A fraudulent account was added to my credit reports by XXXX XXXX XXXX, with XXXX listed as the original creditor. I do not have, nor have I ever had, an account with XXXX. This account was opened without my authorization and is the result of identity theft. 

I submitted formal disputes to Equifax, Experian, and TransUnion under the Fair Credit Reporting Act ( FCRA ) 605B, including an FTC Identity Theft Affidavit, a police report, a government-issued ID, and a marked copy of my credit report showing the fraudulent item. 

Despite providing all legally required documentation, all three credit bureaus failed to block the fraudulent account. Instead, they responded that the account Meets requirement of the Fair Credit Reporting Act and did not remove or suppress the item. This response violates FCRA 605B, which requires the account to be blocked within four business days of receiving proper notice. 

I am requesting CFPB assistance to ensure the credit bureaus comply with federal law and immediately block the fraudulent account from my credit reports.

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 2025-06-22 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: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
I request that these in authorized unverified accounts be removed from my consumer report for they are a violation of my rights in pursuit to 15 USC 1681 c-2. I have the right to request these inaccurate items be removed for they are causing financial hardship to my person ( s )

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 2025-06-22 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] Subject : Request for Removal of Closed Account from Credit Report Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed and Inquiries account currently being reported on my credit file. The account in question is : Creditor : XXXXXXXX XXXX  Account Number : XXXX  Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Status : Closed / Date XXXX Inquiries : XXXX XXXX Equifax 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 Although I understand this account is closed and reported as settled, I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off.

3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law.

This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full.

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX Date of BirthXXXX SSN ( Last 4 Digits ) : 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 2025-06-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX XXXX To : [ Equifax / Experian / TransUnion ] Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed account and Inquiries currently being reported on my credit file. The account in question is : Creditor : XXXX XXXX XXXX XXXX Account XXXX Status : Closed : XXXX XXXX Date XXXX Creditor : XXXX XXXX  Status : Closed Date XXXX Creditor : XXXX XXXX XXXX  Account XXXX Status : Closed Date XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Xactus XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Although I understand this account is closed and reported as settled , I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off. 
3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law. 


This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full. 

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX XXXX of XXXX SSN ( Last XXXX Digits ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
XXXX XXXX XXXX XXXX XXXX  XXXX Ga XXXX XXXX To : [ Equifax / Experian / TransUnion ] Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed account and Inquiries currently being reported on my credit file. The account in question is : Creditor : XXXX XXXX XXXX XXXX Account XXXX Status : Closed : XXXX XXXX Date XXXX Creditor : XXXX XXXX  Status : Closed Date XXXX Creditor : XXXX XXXX XXXX  Account XXXX Status : Closed Date XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Xactus XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Although I understand this account is closed and reported as settled , I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off. 
3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law. 


This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full. 

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX XXXX of XXXX SSN ( Last XXXX Digits ) 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 non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Formal Dispute of Inaccurate Account Reporting Account Type : Flexible Spending Credit Card Account Status : Closed on XX/XX/XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information your institution has reported to the credit bureaus regarding a closed Flexible Spending Credit Card account XXXX 

During a recent phone call with your customer service department, I was informed that there is no record of any account associated with my Social Security Number or Date of Birth in your system. This clearly indicated that the account currently reflected on my credit report does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 US 1682i, I am requesting that you : 1. Immediately remove this inaccurate account from all consumer reporting agencies to which it was reported. 
2. Provide written confirmation that your office has notified Equifax, XXXX, and XXXX  of the inaccuracy and requested deletion.

3. Cease any further reporting or collection activities related to this account. 

Additionally, I am requesting all supporting documentation in your possession that verifies this account was ever associated with me. If you are unable to provide documentation proving my responsibility for the account, it must be deleted immediately. 

Failure to correct this error may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I also reserve the right to take legal action for damages caused by inaccurate credit reporting under the FCRA. 

Please respond to this letter in writing within 30 days of receipt. I am keeping a copy of this letter for my records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Formal Dispute of Inaccurate Account Reporting Account Type : Flexible Spending Credit Card Account Status : Closed on XX/XX/XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information your institution has reported to the credit bureaus regarding a closed Flexible Spending Credit Card account . 

During a recent phone call with your customer service department, I was informed that there is no record of any account associated with my Social Security Number or Date of Birth in your system. This clearly indicated that the account currently reflected on my credit report does not belong to me and is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ), 15 US 1682i, I am requesting that you : 1. Immediately remove this inaccurate account from all consumer reporting agencies to which it was reported.

2. Provide written confirmation that your office has notified XXXX XXXX, and TransUnion of the inaccuracy and requested deletion.

3. Cease any further reporting or collection activities related to this account. 

Additionally, I am requesting all supporting documentation in your possession that verifies this account was ever associated with me. If you are unable to provide documentation proving my responsibility for the account, it must be deleted immediately. 

Failure to correct this error may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I also reserve the right to take legal action for damages caused by inaccurate credit reporting under the FCRA. 

Please respond to this letter in writing within 30 days of receipt. I am keeping a copy of this letter for my records. 

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