vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
There is an account on my credit report that I do not recognize. I did not open or authorize it, and it does not belong to me. This is inaccurate and misleading information that negatively affects my creditworthiness.

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 2025-07-18 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: CA

Complaint narrative:
I am filing a complaint regarding false and retroactively added late payments on my credit report. 

I was only ever late in XXXX on a few student loan payments. However, recent copies of my TransUnion report now show new late payments from XXXX and XXXX including XXXX, XXXX, XXXX, and XX/XX/XXXX that were never there before. I have copies of earlier reports proving that my only delinquencies were in XXXX. 

This is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate or false information. It is also a violation of FCRA Section 611, which requires credit bureaus to correct or delete disputed information that can not be verified. 

These false entries have negatively impacted my credit and caused a recent denial of the XXXX XXXX by XXXX XXXX. Ive already filed disputes with the credit bureaus and am providing this complaint to request a formal investigation and correction of my credit file. I can supply prior reports as proof upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, I noticed fraudulent Affirm loans on my credit report that I did not authorize or open. I immediately contacted Affirm to dispute the accounts. On XX/XX/year>, Affirm responded via email confirming that the loans were unauthorized, that I would not be held responsible, and that the accounts would be removed from my credit report. Affirm did advise the loan ( s ) will be removed from your credit report in their next reporting cycle and noted that most updates take 30-60 days, but in some circumstances may take longer. 

The fraudulent loans included : XXXX XXXX  Loan ID : XXXX XXXX XXXX ID : XXXX XXXX XXXX  Loan ID : XXXX Despite this, the fraudulent accounts are still being reported on my credit report by XXXX, and they are listed as delinquent, and is negatively affecting my credit score. 

I filed a formal dispute with XXXX  in XX/XX/year> and included Affirms written confirmation. However, XXXX  denied the dispute, stating that Affirm did not confirm the information as inaccurate. 

I followed up with Affirm again on XX/XX/year> over the phone and email as well as on XXXX XXXX, requesting written confirmation that they properly updated their reporting and notified the credit bureaus, but I received no response. The fraudulent loans remain on my report as of today. 

I am requesting that Affirm immediately report these loans as fraudulent to all credit bureaus and ensure they are fully removed from my credit history. Affirm has failed to follow through on correcting this issue despite acknowledging that I am not responsible for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2.

Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : DEPT OF EDUCATIONXX/XX/XXXXXXXX Balance {$2500.00} DEPT OF EDUCATIONXXXX XXXX Balance {$840.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2800.00} XX/XX/XXXXXXXX Balance {$650.00}

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
The new company reporting this account is listing a balance that is higher than the amount reported by the prior company. I dispute this amount as inaccurate. 

Under the Fair Credit Reporting Act, you are required to report only information that is complete and accurate. Please provide documentation that supports the balance you are reporting, including a full itemization of the debt and proof that all added interest or fees are permitted by the original agreement. 

If you can not verify this amount with proper documentation, you must remove or correct this entry immediately. 

This is illegal and you can not report this.

I will escalate this my State Attorney General, and will seek legal action for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
They are reporting a bankruptcy on my report. Bankruptcy court does not report to any credit bureaus.

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 2025-07-18 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: MD

Complaint narrative:
They are reporting a bankruptcy on my report. Bankruptcy court does not report to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I disputed a debt showing on my credit report and requested validation in writing over 60 days ago. I asked for documentation showing that I owe the debt, including a signed contract, an itemized breakdown, and proof that the company is legally authorized to collect. I never received a response, yet the account continues to report inaccurately, including a balance increase and a reported last payment that I did not make. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting the removal of this unverifiable debt from my credit repo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I had a dispute for {$700.00} for a charge from Amazon in XX/XX/year>. I was told they sent a check for the fraudulent charge. I have not recieved the check and I have a charge on my credit card again.

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 2025-07-18 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
On or around XX/XX/year> Balance {$240.00} Im about to file police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I request information from the company on XX/XX/year> to provide me how I owe them {$680.00} and to provide me with proof of the contract bearing my signature with there company with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
ALL CRA 'S NEVER DO WHAT IS REQUIRED OF THEM AND CONTINOULY REPORT INCORRECT INFORMATION THAT ARE DETRIMENTAL TO CONSUMERS WHO ARE REALLY UNCOMPENSATED SURETYS THAT ARE " FAVORITES OF THE LAW " IN REGARDS TO ALL SECURITY INTREST IN PRINCIPAL DEBTORS PROPERTY .. AND LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing in response to your letter dated XX/XX/XXXX, regarding the above-referenced account. I do not acknowledge this debt and formally request that you delete this account from all credit reporting agencies in accordance with the following : 1. Fair Debt Collection Practices Act ( FDCPA ) Under 15 U.S. Code 1692g, I am requesting a full validation of the debt. The documentation provided does not include a signed agreement or sufficient verification that I am legally obligated to pay this debt. 
2. New York State Consumer Credit Fairness Act Effective XX/XX/XXXX, this law sets stricter standards for debt collection practices in New York. Please be advised : The alleged default date is XX/XX/XXXX. 
The statute of limitations in New York for credit card debt is 3 years, reduced from 6 years. 
PRA must possess a complete chain of title and all relevant documentation from XXXX to collect on this debt legally and report it. 
XXXX. Incomplete Validation Your letter fails to include : A full payment history. 
A signed agreement between myself and XXXX. 
Proof of assignment/sale and ownership of the debt per NY requirements. 

Until full legal validation is provided, you are required to cease all collection activity and remove this tradeline from my credit report. If the debt can not be validated or is beyond the legal limitations, any continued reporting constitutes a violation of the FCRA and FDCPA. 

Please confirm in writing : That this account has been deleted from my credit reports with XXXX XXXX XXXX XXXX 
That no further collection activity will be pursued. 

If I do not receive a satisfactory response within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), New York Attorney General, and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NM

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
This is not a duplicate matter. I am requesting additional information, and your organization closed the request without doing your due diligence. Please read carefully.

I am following up regarding Exeter Finances response to my complaint. While they did provide copies of standard notices and the loan agreement, they failed to provide any documentation that proves the vehicle was sold in a commercially reasonable manner, as required by the Uniform Commercial Code ( UCC 9-610 ) and the Fair Credit Reporting Act ( FCRA ). I specifically requested : Photos of the vehicle prior to sale. Evidence of the vehicles condition. Market value comparisons. A signed bill of sale or buyer information. Exeter admitted they do not negotiate auction prices and refuse to provide any of the above, yet continue to report a deficiency balance without justifying how it was determined. This is a violation of the UCC and FCRA, as it prevents me from verifying the balance they claim I owe and the legitimacy of the sale. If they can not provide this validation, the tradeline should be removed from all three credit bureaus as unverified and potentially inaccurate. I am requesting that the CFPB compel Exeter Finance to either : Provide full documentation showing the commercial reasonableness of the vehicle sale, including : Photos of the vehicle before the sale To verify the condition at the time of repossession. Vehicle condition report or inspection report To justify the valuation and confirm damage/wear. Comparative pricing data or market value estimate XXXX XXXX XXXX, XXXX XXXX, XXXX, or other valuation guides. Proof of sale to a third party : A signed bill of sale or auction receipt with buyers info and price paid. Without this, there is no proof the vehicle was actually sold for {$7200.00}. Permanently remove this tradeline from my credit report due to failure to validate the deficiency balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am reporting a wrongful eviction  that appears on my credit report even though it occurred during the XXXX eviction moratorium. 

Under federal and state protections, evictions during that time should not have been filed or reported, and certainly not shared with credit bureaus. This is a violation of my rights under the CARES Act, FCRA, and XXXX orders that were active during that period. 

This inaccurate and potentially illegal item is harming my ability to find safe housing. I am requesting that this eviction be fully investigated and removed from my credit report immediately. 

I have disputed the eviction with Equifax, Experian, and TransUnion, and I am including supporting documentation.

Company response to consumer: Closed with explanation