vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to formally request the removal of the security freeze on my credit file. Please find my personal information below to assist with identifying my file.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-19 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: Special Financing Company, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Special Financing Company LLC regarding a {$2900.00} loan they originated through XXXX XXXX XXXX ( XXXX  ). I was misled into this financing agreement under deceptive circumstances. 

XXXX told me this loan would help reduce my IRS debt and assist in paying it down. They never made it clear that the loan was only for their internal service fees and not for settling my IRS debt or guaranteeing any result. Once I finally spoke to a tax professional, I learned the truth : the loan offered no guarantee of IRS resolution and was not paying toward my debt. I never would have agreed to this loan had I known the real purpose.

After I formally disputed this, TDN canceled the loan and refunded the {$2900.00} to Special Financing Company LLC. However, I had already paid approximately {$600.00} into the loan. I was told this would not be refunded because it had gone to interest even though the loan has now been nullified and no services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted multiple written requests to XXXX  XXXX XXXX between XXXX and XX/XX/XXXX requesting full debt validation regarding a charged-off account reported with a {$0.00} balance. I specifically asked for the original signed agreement, itemized statements, charge-off documentation, and IRS Form 1099-C, since XXXX XXXX XXXX acknowledged that the account was classified as a loss in XX/XX/XXXX. 

Despite these requests, XXXX failed to provide any of the required documents. Instead, they referred me to the credit bureaus and insisted they would continue reporting the account for XXXX years. This contradicts their own admission that the debt was charged off, whichif forgivenrequires the issuance of a 1099-C under IRS regulations . 

Additionally, XXXX continues reporting inaccurate and inconsistent data across the three credit bureaus ( e.g., different dates of last payment and activity, credit limits, and statuses ), in direct violation of FCRA 623 ( a ) ( 1 ) ( A ). 

I believe XXXX is willfully refusing to properly validate the debt, ignoring my lawful dispute under FCRA and FDCPA, and continuing to report derogatory information without legal basis.

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 2025-06-19 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: IL

Complaint narrative:
I submitted multiple written requests to XXXX  XXXX XXXX between XXXX and XX/XX/XXXX requesting full debt validation regarding a charged-off account reported with a {$0.00} balance. I specifically asked for the original signed agreement, itemized statements, charge-off documentation, and IRS Form 1099-C, since XXXX XXXX XXXX acknowledged that the account was classified as a loss in XX/XX/XXXX. 

Despite these requests, XXXX failed to provide any of the required documents. Instead, they referred me to the credit bureaus and insisted they would continue reporting the account for XXXX years. This contradicts their own admission that the debt was charged off, whichif forgivenrequires the issuance of a 1099-C under IRS regulations XXXX 

Additionally, XXXX continues reporting inaccurate and inconsistent data across the three credit bureaus ( e.g., different dates of last payment and activity, credit limits, and statuses ), in direct violation of FCRA 623 ( a ) ( 1 ) ( A ). 

I believe XXXX is willfully refusing to properly validate the debt, ignoring my lawful dispute under FCRA and FDCPA, and continuing to report derogatory information without legal basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-06-19 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am submitting a follow-up complaint regarding Affirm account XXXX, originally disputed in XX/XX/XXXX. In Affirms response, they confirmed the loan was charged off in XX/XX/XXXX and is currently held by their third-party collections partner, XXXX. However, Affirm continues to report the account as charged off with updated past due notations through XX/XX/XXXX. 
This practice is a direct violation of FCRA 1681c ( a ) ( 4 ), which prohibits re-aging of delinquent accounts by reporting them as newly delinquent to extend the negative impact. By continuing to update this account with fresh charge-off activity well beyond the charge-off date, Affirm is furnishing inaccurate, misleading, and unlawful data that misrepresents the age, activity, and current status of the account. 
Furthermore, since Affirm no longer services this debt and transferred it to a third party, they lack legal justification to continue furnishing updated derogatory information. The documents providedsuch as the loan agreement and Truth-in-Lending disclosuredo not validate continued reporting or demonstrate any basis for re-aging the tradeline.

Because Affirms response failed to address the unlawful re-aging and ongoing reporting violations, I request that the CFPB escalate this matter and compel Affirm to delete the tradeline entirely. If deletion is not granted, the tradeline must be corrected to reflect a {$0.00} balance, closed status, and no monthly charge-off updates beyond the XX/XX/XXXX charge-off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Listen carefully. The Fair Credit Reporting Act ( FCRA ) grants me the absolute right to challenge any inaccurate, unverifiable, or incomplete information on my credit report. You have reported multiple items that are false, unverified, and non-compliant with both federal and state reporting requirements. I demand immediate correction. 

You have willfully included derogatory and delinquent accounts without providing any tangible evidence that meets XXXX XXXX data reporting standards, FCRA 1681e ( b ), and 15 U.S.C. 1681i ( a ). This conduct is negligent, reckless, and a clear violation of my consumer rights. You are required by law to ensure maximum possible accuracy. Failure to maintain compliance constitutes willful noncompliance under 15 U.S.C. 1681n and subjects you to civil liability. 

I demand that you immediately provide : Complete verification with original documentation supporting the accuracy, ownership, permissible purpose, and reporting authority for each item. 

Proof that all data fields meet XXXX XXXX reporting requirements as governed by CDIA standards. 

Evidence that I was provided the required XXXX reinsertion notice for any previously deleted or suppressed information. 

Your continued failure to provide evidence will result in immediate legal escalation, including but not limited to filing complaints with the CFPB, FTC, State Attorney General, and civil litigation for damages under FCRA 1681n and 1681o.

The following Personal Information is being challenged : Incorrect Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Furthermore, the reporting of addresses not deliverable by USPS violates the FCRAs mixed file protections. You have illegally merged data from another consumer into my file. I demand the full and permanent deletion of this inaccurate information. 

You have 30 days from receipt of this letter to complete a lawful investigation and provide the required documentation. If you fail to comply, I will pursue legal remedies without further notice. 

Mail all responses, verifications, and my updated credit report in hard copy directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I have disputed this account multiple times with Equifax and XXXX. They are reporting a last payment date of XX/XX/XXXX, but I have not made any payments since XXXX, and the last one was made directly to the school not to XXXX. 

Additionally, 90-day late payments were added during forbearance, which violates the CARES Act and FCRA 623 ( a ) ( 1 ) ( A ). XXXX also claimed in a previous response that they paused derogatory activity, yet they still resumed reporting lates after that, which is misleading and unlawful.

The school was eventually shut down for misrepresentation they had no certified welding instructors, and I never received a diploma, certification, or proper education. A Borrower Defense claim # XXXX has already been filed. 

This account is harming my credit and reporting completely inaccurate details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Chime Financial Inc
State: VA

Complaint narrative:
My Social Security number / personal information was used to open an account with Chime Financial XXXX XXXX XXXX  XX/XX/XXXX. After a call to Chime placed XX/XX/XXXX that lasted more than an hour, I was assured by the Chime fraud department representative that this inquiry would be be removed at all three credit bureaus. During the call, I got an email from Chime stating : " After a thorough investigation, Chime couldnt confirm that ID theft happened with this account. '' This is clearly a case of identity theft / fraud. Chime also stated : " However, your account doesnt follow the terms of the Chime Deposit Account Agreement, so weve closed it. Please review the Amendment and Cancellation section for more details. '' This is after I told them I did not open a Chime account. If the account didn't follow the terms of the Chime Deposit Account Agreement, why did they open the account?

Subsequently, I contacted TransUnion XX/XX/XXXX to dispute the inquiry. The TransUnion representative said the inquiry was not initially made with TransUnion, but that TransUnion was getting their information from Chime. 

Chime and TransUnion are both at fault. My profiles/ accounts at all three credit bureaus are either locked or frozen. Chime did not contact me prior to opening the account. I do not have any financial dealing at all with Chime XXXX XXXX XXXX- nor will I ever. TransUnion did not contact me to verify information they got from Chime. 

Chime was ordered by CFPB to pay XXXX XXXX into the CFPB 's victim relief fund in XXXX. Additonally, and about the same time, Chime was ordered to pay XXXX XXXX in compensation to consumers who were harmed. These XXXX  need to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 have submitted multiple formal dispute letters toTRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 non-monetary relief