vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Last report to date of XX/XX/XXXX to my credit report shows consumer portfolio with missed payments of four and late for the year. 
CONSUMER PORTFOLIO XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX This is the information shown on my credit report for them. This reporting is inaccurate and shouldnt be on my credit report. I havent had a car or owned one in a long while now. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : XXXX  XXXX Account Number XXXX XXXXXXXX This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. 

Sincerely,

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 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, two payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2024 and XXXX, 2024. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, two payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXXXXXX XXXX and XXXX XXXX. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

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 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I once tried to open a XXXX mobile account but didnt like the selection of phones that they were offering so I told the representative to cancel the order which she didnt so it continued on with me being charged for months unknowingly. 

I received a collections account notice on my credit report, reached out to XXXX and they admitted fault and paid off the balance and closed the account. I contacted IC systems and told them of the mishap and they told me it would be almost XXXX dollars to remove it from my credit report.

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 2025-06-13 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: 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 explanation
Consumer complaint received 2025-06-13 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: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/2025 Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from PNC BANK dated XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Enclosed are copies of my identification and a copy of the relevant portion of my credit report highlighting the unauthorized inquiry for your reference. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I paid my collection to XXXX XXXX XXXX on XX/XX/2025. I was in the process of buying a home so I needed them to report to the credit bureaus and have the collection deleted from my report. They stated that they report weekly. I waited 7 days and called back and was told that they reported on XX/XX/XXXX that the account was paid and closed ; however, that was not the truth. I have contacted them almost every week and they requested that I send screenshots so they could " escalate it. '' Today, XX/XX/2025, makes 30 days since I have paid off this collection and it is STILL on my credit reporting UNPAID and open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
with XXXXXXXX XXXX with AAG one of his loan reps tried to add {$60000.00} to my loan the day it closed she turned around in loan number XXXX the loan qualified XXXX. With a loan balance or XXXX full or fraud XXXX XXXXXXXX XXXX, loan officeXXXX closed loan that had a solution just put married. Husband doesnt live here she gave me till XX/XX/year> and never gave me another letter of reasons for denial via US mail attacking way to do business through the Internet. The loan docs and sign, and I live by myself she close loan Ive contacted XXXX again XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
XX/XX/year> I received a chargeoff statement about an Affirm account. Maybe a day later, my credit report starts notifying me of a charge-off. I reach out to Affirm on XX/XX/XXXX and XXXX trying to dispute. I'm told by Affirm that they can't provide me information on the account because only portions of my personal information was matching what was on file, and that I could try and create an accountto gain access to the account for details. Through multiple attempts, a couple of phone calls, and multiple verifications i gain partial access to the account.The next day, I get an email stating that I'm responsible for the debt. I called Affirm back to dispute results. Again I ask for verification of debt, identity, and copies of any contracts that I have signed. Again. I'm told that they can't share that information with me because my email didn't match. Affirm states in the dispute that I'm liable because my birthdate and last 4 of SSN match what's on file. My phone number did not. But the IP address i was using matched previous purchases. That doesn't settle right when I didn't even have this phone at the time of the charges that I'm supposedly liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, XXXX  and XXXX, XXXX. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Experian has unlawfully reinserted a fraudulent, unauthorized account from XXXX XXXX XXXX XXXX XXXX onto my credit report after previously removing it. I submitted a full identity theft dispute package, including a notarized affidavit, government-issued ID, proof of address, and a formal FTC Identity Theft Report ( Report # XXXX ). 

Despite this, Experian reinserted the same account without notifying me within 5 business days, which is a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ). This account is not mine, was never opened or authorized by me, and is part of an identity theft situation that was clearly documented. 

XXXX XXXX has already sold the debt, meaning they no longer have a legal right to report it. XXXX XXXX XXXX is reporting a collection with no verified contract, no signed agreement, and no proof that I am the responsible party. This is reckless, inaccurate, and deceptive reporting.

As a result of Experians failure to comply with federal law, I have suffered denials of credit, increased interest rates, emotional XXXX, and damage to my financial reputation. Ive taken every legal and appropriate step to resolve this, and Experian has ignored the law and my rights as a consumer. 

I demand : Immediate and permanent deletion of this account Written confirmation of removal Enforcement action for willful noncompliance with the Fair Credit Reporting Act If this matter is not resolved promptly, I will pursue formal legal action for damages under FCRA 1681n and 1681o.

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