vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX25 I called NBT Bank twice expressing concern about possible fraud on my account. No action was taken. On XX/XX/XXXX25, after a XXXX call, my account was finally restrictedby then, a {$10000.00} wire had been sent on XX/XX/XXXX25 as part of a fraudulent scheme where I believed I was speaking with an NBT fraud employee. Wire form was incomplete ( missing name/address ), yet bank processed it. Required disclosure with risk/liability terms was not provided until XX/XX/XXXX days after the wire. ( Copy of Wire request and Disclosure in attachments ) .Total loss {$18000.00} ; NBT gave {$8800.00} provisional credit for fraudulent XXXX transfers but denied reimbursement of {$10000.00} wire.

Violations : Electronic Funds Transfer Act / Reg E ( failure to limit account after notice ; inadequate investigation ; denial of reimbursement ), procedural deficiency in wire execution, and failure to provide required disclosures before transaction. I have filed reports with XXXX XXXX, XXXX XXXXXXXX, and CFPB. Request full {$10000.00} reimbursement. 

Electronic Funds Transfer Act ( EFTA ) / Regulation E : Bank failed to timely restrict account after multiple fraud alerts ( XX/XX/XXXX ), enabling unauthorized transfer. 

Procedural Deficiency : Wire authorization form incomplete ( missing name/address ) and required disclosure with risk/liability terms delivered 3 days after the wire.

Failure to Investigate/Reimburse : {$10000.00} loss caused by unauthorized access + bank inaction ; partial provisional credit given, remainder denied without proper Reg E resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it
was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-08-12 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: OK

Complaint narrative:
I have sent the credit bureaus several dispute letters regarding the wrongful reporting of a late payment from my credit union and they ignored my dispute and failed to investigate it. I contacted the credit union by mail and disputed it and they have not responded or corrected it either. I know I have rights as a consumer and they are not complying with credit reporting laws and have repeatedly shown willful neglect. This needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
I formally request the removal of this inaccurate account 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 2025-08-12 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: IL

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely XXXX  and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my XXXX  and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and XXXX  they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OR

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OR

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
There is major discrepancy on my credit report Each credit bureau have Different information Ranging from Payment history Balance owed Update balance Total creditor Credit Scores * Your credit scores vary across the XXXX bureaus : * TransUnion : XXXX * Experian : XXXX * Equifax : XXXX * Your overall XXXX XXXX is XXXX, which is given a grade of D. 
XXXX XXXX and Accounts * Total Debts : You have a total of {$94000.00} in debt. 
* XXXX XXXX XXXX : Your total minimum monthly payment is {$1800.00}. 
* XXXX Accounts : You have XXXX total accounts, with XXXX open and XXXX closed. 
* Balances : Your balances include : * Revolving : {$6600.00} * Installment : {$78000.00} * Specific Accounts : * An open secured loan with XXXX XXXX has a balance of {$32000.00}. The original high balance was {$100000.00}. 
* A closed XXXX account has a non-zero balance reported, with amounts varying by bureau : TransUnion ( {$280.00} ), Experian ( {$240.00} ), and Equifax ( {$350.00} ). 
* A closed XXXX XXXX account has a {$0.00} balance. 
Negative Items Needing Attention * Negative Items : Your report shows XXXX negative items in total. 
* Collections : You have XXXX collection account. 
* Inquiries : There are XXXX inquiries listed on the summary page and XXXX on the XXXX report. 
XXXX XXXX XXXX : * One account, XXXX, is marked as derogatory by all three bureaus and has a past due balance of {$240.00}. This account is closed. 
* Another account, XXXX, is marked as " Late 120 Days '' by Equifax, with a balance of {$410.00}. This is a " negative account '' and appears to be a factor in your XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is major discrepancy on my credit report Each credit bureau have Different information Ranging from Payment history Balance owed Update balance Total creditor Credit Scores * Your credit scores vary across the XXXX bureaus : * TransUnion : XXXX * Experian : XXXX * Equifax : XXXX * Your overall XXXX XXXX is XXXX, which is given a grade of D. 
XXXX XXXX and Accounts * Total Debts : You have a total of {$94000.00} in debt. 
* XXXX XXXX XXXX : Your total minimum monthly payment is {$1800.00}. 
* XXXX Accounts : You have XXXX total accounts, with XXXX open and XXXX closed. 
* Balances : Your balances include : * Revolving : {$6600.00} * Installment : {$78000.00} * Specific Accounts : * An open secured loan with XXXX XXXX has a balance of {$32000.00}. The original high balance was {$100000.00}. 
* A closed XXXX account has a non-zero balance reported, with amounts varying by bureau : TransUnion ( {$280.00} ), Experian ( {$240.00} ), and Equifax ( {$350.00} ). 
* A closed XXXX XXXX account has a {$0.00} balance. 
Negative Items Needing Attention * Negative Items : Your report shows XXXX negative items in total. 
* Collections : You have XXXX collection account. 
* Inquiries : There are XXXX inquiries listed on the summary page and XXXX on the XXXX report. 
XXXX XXXX XXXX : * One account, XXXX, is marked as derogatory by all three bureaus and has a past due balance of {$240.00}. This account is closed. 
* Another account, XXXX, is marked as " Late 120 Days '' by Equifax, with a balance of {$410.00}. This is a " negative account '' and appears to be a factor in your 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 2025-08-12 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-12 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: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. Systems contacted me on behalf of XXXX saying that I owed XXXX. I filed a dispute with I.C. Systems and explained that I transferred to a new provider using a transfer PIN and that my account with XXXX was ended on XX/XX/XXXX when the transfer was made. I also submitted a dispute on the XXXX  dispute page. I gave XXXX  the documentation that supports that they have been provide inaccurate information which they published on my credit report. After reviewing the proof of the inaccurate information, XXXX  decided to continue publishing the inaccurate information on my credit report. This has had a negative effect on my credit score. I have provided the same documentation here that I included in my XXXX  and I.C. Systems dispute.

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 2025-08-12 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: NY

Complaint narrative:
Social security number XXXXFollow up trans union forgot to remove negative 2 charge off accounts ending in XXXX and XXXX there is a federal trade commission identity report on filed normally they remove information from report and also the others negative account s ending in XXXX that's 60 days late and the XXXX XXXX XXXX account that's 30 days late and the XXXX XXXX  ending in XXXX and all the other adverse accounts that are showing on my credit report I shouldn't have any negative or charge off account s on credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I placed an order online on a seller 's website on XXXX2025 and used Affirm Financial Services to help pay for the transaction. This seller ended up running a scam and fraudulent website in that the seller would submit tracking information, but that tracking information did not belong to the order in question. The buyer, such as myself, never received the product and the seller had fake tracking information to share when disputes and chargebacks arise. A dispute was filed with Affirm and I provided documentation to them about the scam as well as an in-depth analysis of how the tracking number was fake. Despite the document submission to Affirm, Affirm still said that I was responsible for the outstanding loan balance and never received the product. I am, therefore, asking Affirm to cancel my outstanding loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$27000.00} Account name XXXX XXXX  Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX  Account number XXXX Account type Mortgage Date opened XX/XX/XXXX Balance {$170000.00} Account name XXXX  XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief