vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: GA

Complaint narrative:
t I have been a victim of identity theft and to formally dispute several fraudulent items on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the right to request that any information resulting from identity theft be blocked and deleted from my credit file. I am invoking my rights under this law and requesting immediate action to delete and block the fraudulent accounts and inquiries listed below from my credit report.

As required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am providing the necessary documentation to facilitate this request. Enclosed with this letter is an Identity Theft Report filed with the Federal Trade Commission ( FTC Identity Theft Report ) attesting to the theft of my identity. I have also included a copy of my government-issued identification to verify my identity. These documents fulfill the requirements of proving my identity, demonstrating that identity theft occurred, and identifying the fraudulent information in question. 
The following accounts and inquiries on my Equifax credit report are fraudulent and were opened or initiated without my knowledge or consent. They are not associated with any transaction I have made. I request that Equifax immediately block reporting of these items and delete them from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company : Affirm , Inc . 
XXXX : {$80.00} XXXX loan XXXX ID XXXX Merchant shown by Affirm : XXXX XXXX Business LLC XXXX not XXXX XXXX where I ordered ) What happened ( dates, amounts, actions ) : XX/XX/XXXX I ordered XXXX XXXX flip flops on XXXX. Affirm checkout froze, so I paid with my bank card. My bank was charged {$80.00} by XXXX. 

XX/XX/XXXX My bank refunded the {$80.00} as fraud. 

I later discovered Affirm still created a separate {$80.00} loan under XXXX XXXX XXXX XXXX, a vendor I did not choose or authorize. 

XX/XX/XXXX I opened an Affirm dispute ( Case # XXXX ) for item not received/merchant mismatch. 

XX/XX/XXXX Affirm closed in the merchants favor citing HMG ( XXXX courier ) tracking XXXX. The tracking only showed XXXX XXXX, no name/address/signature. 

XXXX XXXX I appealed multiple times ( Cases # XXXX, # XXXX, # XXXX ). I emailed the merchant ( payment @ isaikont [. ] com ) on XXXX response. 

XX/XX/XXXX I filed a CFPB complaint. Affirm maintained delivered. 

XX/XX/XXXX Affirm charged off the loan and sent it to collections while disputes were still active ; I did not receive advance notice. 

XX/XX/XXXX Affirm supervisor opened an Unauthorized Activity case ( # XXXX ). 

XXXX I submitted an affidavit and evidence ; another case opened ( # XXXX ). 

XX/XX/XXXX HMG tracking fluctuated ; XXXX shows status not available/not recognized for XXXX. HMG now reads arrived destination city / delivered, still without POD. XXXX site later shut down. 

Why XXXX filing : Affirm relied on unverifiable delivery and a vendor I did not authorize, ignored bank-confirmed fraud on a duplicate charge, and charged off/sent to collections during active investigations. 

Desired resolution : Remove/recall collections and delete the charge-off/negative reporting tied to XXXX. 

Close the loan with {$0.00} balance or provide verifiable POD ( full address + signature/photo/GPS + domestic tracking ). 

Provide the merchant evidence relied upon ( label with my name, domestic tracking handoff, POD ). 

Confirm in writing. 

Attachments available : order confirmation/cart, bank refund proof ( XXXX ), XX/XX/XXXX email to merchant, Affirm case decisions, HMG timeline, XXXX status not available screenshot, collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. I received a collection notice from XXXX XXXX XXXX regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with XXXX XXXX XXXX. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that XXXX XXXX XXXX had the legal right to collect the debt. Despite my request, XXXX XXXX XXXX failed to provide the necessary documentation to validate the debt. Instead, they continued to report and falsified information the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt XXXX to cease collection activities until they validate the debt. Furthermore, XXXX XXXX XXXX did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that XXXX XXXX XXXX immediately cease all collection activities, remove the account from my credit reports, and provide full validation of the debt as required by law. Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I sent this message on XXXX separate attempts. I offered to pay my annual fee by debit card, but no one has bothered to reply. I asked for the inquiry to be removed, again no reply. I was told I could reapply and be subjected to a NEW inquiry- which is unacceptable. I finally got through via phone, and was told again - reapply in 30 days and a new inquiry will be on your credit. 

I applied for a card and I was approved and sent a payment that had plenty of money in the bank, and it never attempted to withdraw the money. XXXX attaching a screenshot for the past few days to show you it never even attempted to withdraw. 

This is clearly an error and I want to know if I can just pay you with debit card or if someone could resolve this because I do not and will not allow another inquiry on my credit. If this is not resolved, XXXX going to have to report it as fraud because I never received a service and I did not authorize an inquiry for no service. 

There is no statement right now for XXXX yet, but I have screenshot all of the XXXX transactions thus far. 

I will be happy to give my debit card if you want to give me a call at XXXX. I do not understand what the issue is, but I would like this result without additional hard inquiry on my credit. I will be filing a complaint with the CFPB if this isnt resolved because I just feel helpless in this position right now. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX with Transunion customer service to correct error on XX/XX/XXXX @ XXXX on a recorded line. He stated that the error couldn't be corrected due to the Government shut down which isn't true. I would like the following hard inquires deleted from my account due to them being unauthorized and are not mine. 

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 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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
t I have been a victim of identity theft and to formally dispute several fraudulent items on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I have the right to request that any information resulting from identity theft be blocked and deleted from my credit file. I am invoking my rights under this law and requesting immediate action to delete and block the fraudulent accounts and inquiries listed below from my credit report.

As required by FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am providing the necessary documentation to facilitate this request. Enclosed with this letter is an Identity Theft Report filed with the Federal Trade Commission ( FTC Identity Theft Report ) attesting to the theft of my identity. I have also included a copy of my government-issued identification to verify my identity. These documents fulfill the requirements of proving my identity, demonstrating that identity theft occurred, and identifying the fraudulent information in question. 
The following accounts and inquiries on my Equifax credit report are fraudulent and were opened or initiated without my knowledge or consent. They are not associated with any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Debt collection company, Shepherd Outsourcing, has contacted me multiple times with seemingly urgent text messages about debt that is not mine. There have been no official communications such as through mail or phone calls to verify this information and instead I am directed toward links or to contact them over the phone. This practice seems very predatory and may have scared another person into clicking their links and paying for debt that is not owed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One closed my credit card account and reported negative information about me, stating that I went against banking ethics. This action was taken because I was listed as an authorized user on another persons Capital One account that later had issues. 

I had no control or authority over that primary account beyond being an authorized user. I did not engage in any misconduct or unethical behavior. My own Capital One account was in good standing, and I met all payment obligations. Despite this, Capital One chose to close my personal account and negatively impact my credit standing. 

I have repeatedly asked for documentation or an explanation of what banking ethics violation I supposedly committed, but Capital One has not provided any clear or factual justification. Their decision appears to be punitive and unsupported, especially since authorized users are not legally responsible for the primary account holders actions. 

This closure has caused me reputational and financial harm, including damage to my credit profile and difficulty obtaining new credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an alert from capital one that a purchase of {$300.00} was charged to my card from XXXX garden. I never made this purchase so I called capital one who said they will investigate and issued me a new card. They also asked if anyone else I know would have made this purchase but XXXX the only one that I know that has access to my card. I got an email from seaworld/bush garden XXXX an order was made for XXXX passes that would need to be paid monthly. I did not know any of these peoples name on the pass. They only used my information to purchase the pass. Capital one had issued me a temporary refund, but today XX/XX/XXXX, they said they investigated and did not believe it was fraud.

Company response to consumer: Closed with explanation