vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: MT

Complaint narrative:
I used Affirm 's installment loan to purchase a ski pass from XXXX XXXX XXXX. The first few payments went through without a problem. My current payment due came back as " failed '' despite my bank account having plenty of money in it to cover the payment and none of my bank account information changing. I called to inquire as to why the payment wasn't going through and the customer service rep asked me to give him my bank account info over the phone which was a red flag, then I noticed their website is not secure. I told the rep that I would take it up with the merchant ( XXXX XXXX XXXX ) and pay them the balance due and take Affirm out of the picture because they had too many red flags. He then proceeded to try to scare me by saying if I didn't make my payment the loan would be charged off and impact my credit score. My payment is XXXX  days late only because their software isn't working or they are a scam to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: AZ

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-14 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: AZ

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This debt is from XXXX XXXX XXXX and its a 9 year debt I tried calling to understand what it was from because it said the debt collector not why.they have disclosed that indeed its a XXXX XXXX XXXX debt and they will keep selling my debt to different companies forever while laughing on the phone.I need this taken off my credit it was a {$1800.00} debt turned into {$2800.00}

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 2025-08-14 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I did a mobile deposit with truist Bank. I had a personal check for XXXX XXXX XXXX that he made payable to my company XXXX XXXX XXXX XXXX and myself XXXX XXXX in the amount of {$900.00} drawn on his XXXX XXXX XXXX in XXXX Texas. The check was immediately flagged by truest as potential fraud and thereafter they closed my account and refused to distribute the funds to myself or back to XXXX XXXX XXXX. I like XXXX XXXX has confirmed in writing that the funds did leave XXXX XXXX account and have not been returned to them. XXXX XXXX XXXX has since passed away in XXXX of XXXX and the funds are continuing to be held by truist Bank.

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 2025-08-14 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: GA

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. 

1. XXXX XXXX XXXX accountXXXX {$8900.00} 2. XXXX XXXX account:XXXX {$1400.00} 3. XXXX XXXX XXXX account:XXXX {$160.00} 4. XXXX XXXX XXXX account:XXXX {$680.00}, has violated my rights. 


15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( 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 2025-08-14 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: Experian Information Solutions Inc.
State: AL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( 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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
This is a follow-up and rebuttal to my original complaint [ XXXX ] - Company 's response inaccurate/incomplete. 

Dear S & S Recovery, This follow-up and rebuttal is directly to your reply to my CFPB complaint filed XX/XX/year>, in which I requested proper validation of the alleged debt you are reporting to the credit reporting agencies. 

You stated that documentation was requested from the creditor and provided a copy of my college account. This does NOT meet the requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g, nor does it satisfy your duties as a furnisher under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ) after a dispute has been filed. 

Under these laws, proper validation requires, at minimum : Validation information required. 
( XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : c ) Validation information. Pursuant to paragraph ( a ) ( XXXX ) of this section, a debt collector must provide the following validation information. 

( XXXX ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). 
( XXXX ) Information about the debt. ( 12 CFR 1006.34 ( c ) ( 2 ) ( i-v ) ; 34 ( c ) ( 2 ) ( ix ) ( 3 ) Information about consumer protections. ( 12 CFR 1006.34 ( c ) ( 3 ) ( 4 ) Consumer-response information. ( 12 CFR 1006.34 ( c ) ( 4 ) ( 5 ) Itemization-related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi-viii ) A simple copy of a college account statement does NOT verify the accuracy, ownership, or enforceability of the alleged debt. Continuing to report unvalidated debt to the credit reporting agencies constitutes ongoing harm and a clear violation of federal law. 

You are hereby instructed to either : XXXX. Provide full and complete legal validation of the alleged debt as outlined above, OR XXXX. Immediately request deletion of the account from all consumer reporting agencies to avoid continued violations of the FCRA and FDCPA. 
If you fail to comply within XXXX business days of receipt of this letter, I will pursue all available remedies by : XXXX. Filing additional complaints with the XXXX, FTC, and my State Attorney Generals office XXXX. Seeking legal action for statutory damages under the FDCPA and FCRA XXXX. Requesting attorney fees and court costs. 
This letter serves as your final opportunity to correct your reporting and avoid further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 2025-08-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC 1681g, please remove them in 15 days. Relevant documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
on XX/XX/XXXX i noticed XXXX dollars in my Coinbase account was pending transfer to a XXXX account. I immediately locked my account and called Coinbase. Coinbase rep said they should be able to stop the transaction. so i waited to see if it went threw and it did so i called back and was told they would open an investigation. On XX/XX/XXXX i received bank info and debit card in the mail from XXXX. the thieves had set up a bank account in my name to transfer the money to. i immediately called XXXX and explained the situation. They locked the account and refused to talk to me because i didn't open the account. after several attempts with both coinbase and XXXX to recover my money, XXXX told me to go to idtheft.gov, so i did. i filled it out and havent gotten any response back from anyone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My XXXX daughter has a freeze on her credit due to a data breach several years ago. Experian has been ZERO help in lifting this now that she's XXXX. No way to set up an account with them. No way to lift the freeze. No way to talk to a person to get help. They regularly hang up on you when you call for help. If by some miracle you reach a person, they transfer you back to the automated line. They claim they'll find someone to help who will call you but they never do. I have a case number to nowhere - what use will this ever be? 

The other XXXX credit bureaus were a total pain to deal with, but eventually someone resolved the problem. Experian is THE WORST. How does this company have so much control over our finances and no accountability?

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I checked my credit reports at XXXX XXXX. It was reported as a debt on XX/XX/XXXX at XXXX  for {$550.00} and to XXXX  for {$550.00}. Apparently the original debt was for {$530.00} on XX/XX/year>. I paid the full balance of {$680.00} which is an interest of XXXX XXXX compounded daily. This was recorded on their line. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation