vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 2025-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX  Account number # XXXX violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

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 2025-12-16 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: TX

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History : XXXX, XXXX XXXX XXXX  XXXX  days, XX/XX/XXXX XXXX XXXXdays : XXXX, XXXX, XXXX, XX/XX/XXXX XXXX  XXXX  days, XX/XX/XXXX XXXX XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/2025, I used an Affirm installment loan to pay for a XXXX online order. Part of the order was never delivered ( one item was missing ). I notified both XXXX and Affirm in a timely manner. XXXX states that Affirm did not remit payment for the disputed portion, while Affirm states that XXXX was paid. As a result, both companies are attempting to collect payment for the same transaction. 

I attempted to dispute the charge through Affirm, but Affirm refused to process the dispute, stating that more than 120 days had passed, despite the fact that the non-delivery was reported earlier and remains unresolved. While this dispute is ongoing, Affirm has continued billing me and has reported the account as delinquent to credit bureaus. 

I requested clarification regarding the correct loan balance, who is legally entitled to collect payment, and asked that the account not be reported as delinquent while the dispute was unresolved. Affirm did not provide this information or resolve the issue, yet continues to report negative information that does not accurately reflect the status of the account. 

I am disputing the accuracy of the credit reporting, as I should not be reported delinquent for amounts related to a product that was never delivered and while the billing responsibility between the merchant and lender remains unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am submitting a follow up compliant to demand the immediate and permanent removal of the inaccurate and unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my Experian and TransUnion credit reports. Despite multiple previous disputes, including five prior follow-ups, these accounts continue to be reported as charge-offs with balances of {$1300.00} and {$1900.00} respectively. No supporting documentation, including a 1099-C, has been issued for either account, which violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). The continued reporting of these accounts in their current form is false, misleading, and materially harms my creditworthiness.

The failure of Experian and TransUnion to remove these accounts despite repeated disputes constitutes a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), as neither bureau has conducted a proper reinvestigation to verify the accuracy of this information. Additionally, it violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, because the furnisher has provided unverifiable information, and these accounts should not appear on my reports in any form. The ongoing reporting of these balances and charge-off statuses creates a false impression of my payment history and negatively impacts my ability to obtain credit under fair and accurate terms. 
I have repeatedly disputed these accounts and provided documentation demonstrating that the information is inaccurate, yet both Experian and TransUnion have failed to remove them. This demonstrates a pattern of negligence in maintaining maximum possible accuracy in my credit reporting. The continued presence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit reports is causing tangible harm, misrepresenting my financial responsibility, and impacting my creditworthiness in a way that is both unfair and unlawful.

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 2025-12-16 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: CO

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 non-monetary relief
Consumer complaint received 2025-12-16 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-16 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed that one account was not being reported correctly. Several late payments were showing on an account that was, in fact, paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never had any late payments. I have attached a copy of my credit report to this complaint, dated XX/XX/year>. 
I request that you investigate this account and update the payments to " paid '' immediately. Thank 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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of online fraud on XX/XX/XXXX, after clicking a XXXX ad that led to a fake website called XXXX. 
I paid {$75.00} with my Capital One debit card. The merchant provided a fake tracking number and never intended to deliver any goods. 
Capital One denied my dispute, treating the charge as authorized. 
I am requesting a proper fraud review and full reimbursement. Attached are screenshots of all relevant communications and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
The companies website showed I owed XXXX. Then they drafted XXXX plus the XXXX. I told them I voided the transaction and they said I owed XXXX and that the XXXX was a discount for paying XXXX. When I asked why they didnt void the payment the response was you should have called us and not went through the website to pay. I asked that my funds be refunded immediately and that they send me proof of me signing for all drafts they took from my account for the life of the account. They then said we refund all the money you paid and it will take 20 days. One minute he was telling me XXXX was a discount and the next its was the balance owed. I am not sure if they are sending me any of the documents I requested. They have attempted to draft my bank account on several occasions ( my bank rejected ) but the payments were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified student loan accounts appearing on my credit report. The accounts I am disputing are : 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 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. The information reported does not match my records, including dates, balances, transfer history, and servicing details. I requested verification from the credit bureaus, but they have not provided proper documentation or evidence that the reporting is accurate. Under the FCRA, information must be accurate and fully verifiable, and the bureaus must perform a reasonable reinvestigation. The accounts are also not marked as disputed, which is required under FCRA 1681i ( c ). If any third-party collector or servicer is reporting these loans, they have not provided validation as required under FDCPA 809 ( b ). I am requesting the CFPBs assistance to ensure the credit bureaus and the furnisher comply with the FCRA and FDCPA by providing proper verification or removing these accounts if they can not verify them.

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 2025-12-16 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: FL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security XXXX, and dates of birth. I was identified as an affected consumer and received notice of the breach. 

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines 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 2025-12-16 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: AK

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. 

Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am the account holder on the checking account referenced in this complaint. For more than a month, funds have been missing from my checking account, and First-Citizens Bank has repeatedly refused to open a Regulation E claim or issue provisional credit, despite my repeated requests and clear financial hardship. 

I have contacted First-Citizens Bank customer service on three separate occasions and spoken with two different branch managers. Each department redirected me elsewhere without resolving the issue. 

The XXXX, NC branch manager refused to take responsibility, even though my checking account and debit card were originally opened at that branch. I was then told by a Senior Representative named XXXX at the XXXX, NC branch that I needed to contact the back office. Customer service later confirmed that no such department exists. 

I subsequently spoke with XXXX XXXX, Operations Service Supervisor at the XXXX branch. She stated there was an app banner referencing general system issues and claimed that I should have known this meant my paycheck deposit had been double-credited and reversed. The banner was vague and generic and did not mention any specific error, reversal, or adjustment. At no point did the bank notify me of any deposit error, reversal, or account adjustment. 

I repeatedly asked XXXX XXXX to open a Regulation E claim and issue provisional credit for my missing paycheck in the amount of {$510.00}. More than seven days had passed with no investigation initiated. She refused. She stated she would only file an internal complaint, and when asked whether that would result in the return of my funds, she confirmed that it would not. 

I requested the contact information for her district manager, and she refused to provide it. I was only able to obtain her name and title. 

At this point, First-Citizens Bank has : Refused to open a legally required Regulation E claim Refused to issue provisional credit Provided inconsistent and contradictory information Blamed me for failing to interpret a vague app banner as notice of a deposit error Misled me about available escalation paths Denied access to supervisory or district-level contact information I have repeatedly informed the bank that this situation has caused serious financial hardship. I lost my entire paycheck due to this banking error and urgently need access to my missing funds. 

I am requesting the following : 1. Immediate opening of a Regulation E claim 2. Immediate issuance of provisional credit for the missing funds 3. A written explanation of the transaction error and reversal 4. Review of the conduct of the involved branch personnel and their refusal to comply with federal requirements I made good-faith efforts for over a week to resolve this matter directly with the bank. All attempts have been refused. I am requesting CFPB assistance to obtain resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) after repeated failures to maintain accurate, complete, and legally compliant credit reports. Despite my disputes, the bureaus continue to report multiple zero-balance accountsincluding 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 accounts ( XXXX  ), and XXXX  XXXX ( XXXX ) in a misleading and harmful manner without clearly identifying their accurate status, thereby violating FCRA 607 ( b ), which requires reasonable procedures to assure maximum possible accuracy. Additionally, public record information related to a XXXX  XXXX bankruptcy XXXX under Reference # XXXX is being reported inconsistently and without proper reflection of its XXXX status, in violation of FCRA 605 ( a ) ( 1 ), which limits the reporting period and requires accurate presentation of public records. The credit bureaus have also failed to provide proper disclosure and verification documentation upon request, including the sources, methods of verification, and supporting records used to validate the disputed accounts and public records, violating my rights under FCRA 609 ( a ) ( 1 ). Furthermore, while certain inquiries XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), and XXXX XXXX XXXX XXXX XX/XX/year> ) are not currently being disputed, I am concerned that the bureaus are not ensuring compliance with FCRA 604 ( a ), 605, and 611 regarding permissible purpose, reporting limits, and consumer dispute rights, as the continued presence of questionable inquiries reflects systemic failures in their reinvestigation and accuracy procedures. These ongoing inaccuracies have caused financial harm, credit denials, and emotional distress, and demonstrate a pattern of noncompliance that warrants immediate regulatory intervention.

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