vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
The following accounts and inquiry appear to contain inaccurate, outdated, or unverifiable information. I request a full FCRA investigation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX / XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$240.00} INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS 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 2025-11-24 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: FL

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, that is considered identity theft. 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 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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, my XXXX ID was hacked and the hacker was able to sign in to my Cashapp. They quickly were able to change my Cashtag, trusted phone number, and trusted email and send themselves {$1800.00} of my funds from my debit card linked to the app. They then immediately withdrew the funds to their own bank. 

I immediately reached out to both Cashapp and XXXX XXXX but Cashapp said that the transactions that happened were authorized by me and consistent with my user history, even though I've never sent this person money and my phone/email/user id were all changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

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, that is considered identity theft. 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 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 2025-11-24 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

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

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

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was buying items from XXXX, and I decided to use Affirm at the payout to split the payments into an 18 month loan since it was a somewhat pricey purchase. There were about 15 items in the order to a total of {$950.00}. When I applied for the purchase the first time, it was declined and I ignored it so I applied again and it was declined a second time. There was a notification on recent transactions that it was declined due to using a wrong address as I had recently moved. So I finally the corrected the address and let the payment plan pay for the items in my cart. It was a one-time purchase with a single invoice. However, the affirm company had approved all 3 payment plans, even the ones that were declined for that single purchase, so I now have 3 payment plans for my purchase, each at {$63.00} each, when I really wanted one payment plan at {$63.00} for 18 months. Part of the issue is also that REI splits charges on a card based on items leaving a warehouse even for a single invoice rather than charging at purchase time, so as items left their warehouse they kept charging at each of the 3 payment plans, so that literally validated all 3 payment plans on Affirms end, so they see it as legitimate although the first two plans were declined and they refuse to believe me. So now I'm on the hook for 3 payment plans for my one-time purchase at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2025-11-24 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: SC

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, that is considered identity theft. 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 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 2025-11-24 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: CA

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account # XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Dear TransUnion, I am formally disputing the reporting of the collection account listed as : XXXX XXXX  Original Creditor : XXXX Amount : {$120.00} Account # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Status : Derogatory / Collection This item contains multiple inaccuracies and incomplete data in violation of FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) : Documented Errors : 1. Reporting lacks full account number incomplete identifier.

2. No Date of First Delinquency ( DOFD ) is reported required for legal reporting window.

3. Balance and dates differ across bureaus violates maximum possible accuracy.

4. Last activity date reported ( XX/XX/year> ) conflicts with no payment history internal inconsistency.

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 2025-11-24 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: IN

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 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: TX

Complaint narrative:
I am writing to dispute an inaccurate debt reporting on my credit file related to my former apartment. The account in question is reported by XXXX and appears on my credit report. 

I am disputing this reporting because it is factually inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides that I have the right to dispute incomplete or inaccurate information on my credit report. 

Background : I was forced to vacate the apartment due to severe mold issues and structural problems with the foundation, which caused serious health issues, including hospitalization. 

I have documented evidence, including photos and videos, that confirm the unsafe living conditions. 

The debt reported is not valid under the circumstances, as the apartment was uninhabitable and I had no reasonable ability to pay for housing that was hazardous. 

I have previously attempted to resolve this directly with procollect, but they have failed to correct the reporting. 

FCRA Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency must conduct a reasonable investigation of disputed information. The continued reporting of this debt as delinquent, without verification or consideration of my evidence, violates my rights under the FCRA.

Request for Resolution : Investigate the accuracy of the reported debt immediately. 

Remove or correct the inaccurate reporting related to the apartment debt. 

Notify me of the results of your investigation in writing. 

I am attaching the following evidence Photos and videos of the mold and structural issues can be seen here. : XXXX XXXX XXXX Please acknowledge receipt of this complaint and take prompt action to ensure my credit file reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am writing to dispute an inaccurate debt reporting on my credit file related to my former apartment. The account in question is reported by XXXX and appears on my credit report. 

I am disputing this reporting because it is factually inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides that I have the right to dispute incomplete or inaccurate information on my credit report. 

Background : I was forced to vacate the apartment due to severe mold issues and structural problems with the foundation, which caused serious health issues, including hospitalization. 

I have documented evidence, including photos and videos, that confirm the unsafe living conditions. 

The debt reported is not valid under the circumstances, as the apartment was uninhabitable and I had no reasonable ability to pay for housing that was hazardous. 

I have previously attempted to resolve this directly with procollect, but they have failed to correct the reporting. 

FCRA Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency must conduct a reasonable investigation of disputed information. The continued reporting of this debt as delinquent, without verification or consideration of my evidence, violates my rights under the FCRA.

Request for Resolution : Investigate the accuracy of the reported debt immediately. 

Remove or correct the inaccurate reporting related to the apartment debt. 

Notify me of the results of your investigation in writing. 

I am attaching the following evidence Photos and videos of the mold and structural issues can be seen here. : XXXX XXXX XXXX Please acknowledge receipt of this complaint and take prompt action to ensure my credit file reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am writing to dispute an inaccurate debt reporting on my credit file related to my former apartment. The account in question is reported by XXXX and appears on my credit report. 

I am disputing this reporting because it is factually inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides that I have the right to dispute incomplete or inaccurate information on my credit report. 

Background : I was forced to vacate the apartment due to severe mold issues and structural problems with the foundation, which caused serious health issues, including hospitalization. 

I have documented evidence, including photos and videos, that confirm the unsafe living conditions. 

The debt reported is not valid under the circumstances, as the apartment was uninhabitable and I had no reasonable ability to pay for housing that was hazardous. 

I have previously attempted to resolve this directly with procollect, but they have failed to correct the reporting. 

FCRA Violation : Under 15 U.S.C. 1681i ( a ) ( 1 ), a consumer reporting agency must conduct a reasonable investigation of disputed information. The continued reporting of this debt as delinquent, without verification or consideration of my evidence, violates my rights under the FCRA.

Request for Resolution : Investigate the accuracy of the reported debt immediately. 

Remove or correct the inaccurate reporting related to the apartment debt. 

Notify me of the results of your investigation in writing. 

I am attaching the following evidence Photos and videos of the mold and structural issues can be seen here. : XXXX XXXX XXXX Please acknowledge receipt of this complaint and take prompt action to ensure my credit file reflects accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 ( 1 ) 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.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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