vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am submitting this complaints to formally dispute and request deletion of several inaccurate items currently listed on my credit report. I take pride in maintaining responsibility over my financial affairs, but I recently discovered information that does not belong to me and misrepresents my credit history. These errors are affecting my credibility and could unfairly harm future financial opportunities.

Upon careful review, I noticed that my file contains inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These addresses have never been associated with me and should not appear on my report. Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they maintain. Reporting incorrect personal information violates this provision, and I request that these addresses be deleted immediately to prevent continued misidentification.

In addition, my report inaccurately lists a late closed account with XXXX  XXXX ( Account No. XXXX ). This account, opened on XX/XX/XXXX, reflects a XXXX balance and a current payment status, yet it incorrectly shows late dates of XXXX and XX/XX/XXXX. This reporting is inaccurate and misleading. Under FCRA 1681i ( a ) ( 1 ), when a consumer disputes the accuracy of an item, the bureau must promptly reinvestigate and delete any information that can not be verified. Since these late entries are not consistent with my true payment history, I am requesting that the negative marks be permanently removed or corrected.

Furthermore, my credit report shows several unauthorized inquiries that I did not personally approve, including XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Under FCRA 1681b ( a ), a consumer report may only be furnished for permissible purposes and with proper consent. Including inquiries that were not authorized by me violates this section and unfairly impacts my creditworthiness. I am requesting the immediate removal of any inquiry that can not be verified with documentation proving my written authorization.

Lastly, under FCRA 1681c ( a ) ( 5 ), credit bureaus are prohibited from reporting obsolete or inaccurate information that misrepresents a consumers credit profile. Therefore,

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 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the negative credit reporting on my account ( Account # XXXX in the amount of {$130.00}. XXXX XXXX. This item was reported as late to all three major credit bureaus without prior written notification of your XX/XX/year> policy change regarding credit bureau reporting. A rep named XXXX confirmed there was no mail or notification made on my account of these credit report changes making this practice abusive and predatory. 

I was never informed through email, mail, or in-app notification that late payments would be reported to credit bureaus. This lack of notice is a violation of fair reporting standards under the Consumer Financial Protection Bureau guidelines. As a result, my credit score dropped XXXX points. 

I am requesting : Immediate removal of this negative item from all credit bureaus, and Written confirmation that my dispute has been investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 2025-10-24 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: TN

Complaint narrative:
I pulled my credit report and I noticed that there was a fraudulent auto loan that I did not open, nor authorized anyone to open. I requested the original documents to open this account from the credit bureaus ( Transunion, Equifax, and Experian ) and XXXX XXXX XXXX. I received nothing. I was put on hold and given the run around. The credit bureau seems to be running sham investigations. They are hurting me financially and I demand that the credit bureaus stop reporting this fraudulent information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
I pulled my credit report and I noticed that there was a fraudulent auto loan that I did not open, nor authorized anyone to open. I requested the original documents to open this account from the credit bureaus ( Transunion, Equifax, and Experian ) and XXXX XXXX XXXX. I received nothing. I was put on hold and given the run around. The credit bureau seems to be running sham investigations. They are hurting me financially and I demand that the credit bureaus stop reporting this fraudulent information on my credit profile.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
The student loan account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is being furnished with inconsistent, incomplete, and unverifiable data. The information differs across credit bureaus and fails to meet Metro-2 CDIA reporting standards, thereby violating the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX has violated : FCRA 1681e ( b ) Not ensuring maximum possible accuracy.

FCRA 1681s-2 ( b ) Failure to conduct a lawful reinvestigation when notified of a dispute.

FCRA 1681i ( a ) ( 1 ) Failing to properly reinvestigate within the statutory period.

FCRA 1681i ( a ) ( 5 ) Failing to delete unverifiable information.

The data fields are inconsistent between XXXX XXXX XXXX XXXXXXXX this tradeline is non-compliant under Metro-2 and should not be reported. No original promissory note, payment history, or Department of Education validation has been provided to confirm accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions that occurred on my Cash App account on XX/XX/year>, totaling {$760.00}. 

On that date, five ( 5 ) unauthorized transactions were made from my account. I only received a {$100.00} refund, but the remaining funds were denied with the claim that I had authorized them. I want to make it clear that I did not authorize these transactions, nor did I give anyone permission to use my Cash App card or access my account. 

Here are the details : Date of incident : XX/XX/year> Total unauthorized amount : {$760.00} Refund received : {$100.00} Outstanding disputed amount : {$660.00} Location of fraudulent activity : Georgia ( ATM withdrawal ) My location at the time : Connecticut Attempted transaction : {$50.00} ( declined ) My card and phone have been in my possession at all times. I have never lost them, and I have never shared my Cash App credentials or authorized anyone to use my account. Per your investigation, I was informed via email that I was at fault, but no supporting evidence, such as camera footage or proof of authorization, was provided despite my request. 

Given the facts and my consistent account of events, I request that this matter be re-investigated and that the remaining {$660.00} be refunded to my account. This situation has caused significant inconvenience and financial hardship, and I respectfully request a prompt resolution in accordance with Regulation E protections for unauthorized electronic fund transfers.

One of the disputes in the amount of {$100.00} was refunded.

Please confirm receipt of this letter and provide a timeline for the investigation. I am happy to provide any additional documentation or information necessary to support my claim. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Equifax 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 XXXXXX/XX/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 2025-10-24 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Equifax 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 XXXXXX/XX/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 2025-10-24 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 submitting this dispute under the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), which requires that credit reporting agencies and furnishers report accurate information and promptly reinvestigate any disputed entries. 
I have identified inaccurate personal address information on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the following accounts are being reported inaccurately or contain discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} Collection Accounts : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$2800.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} These reported addresses and account balances do not accurately reflect my records.

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 2025-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IN XXXX : XXXX tradelines show late-payment codes that are inconsistent across bureaus and/or were reported after closure or during neutral statuses. The same months are coded differently across TU/EX/EQ, and in some cases, derogatories appear after the account was closed or currentthis is not XXXX XXXX compliant and XXXX harming mortgage underwriting. 

XXXX XXXX : XXXX Mortgage ( XXXX ) : late codes that conflict across bureaus ; require full removal and alignment to OK/Current. 
XXXX XXXX ( XXXX ) : lates coded for certain months while other bureaus show OK/blank for the same months. 
XXXX XXXX ( XXXX ) : XXXX and XXXX lates reported around closure/zero balance ; should not accrue new derogatories after paid/closed. 
XXXX XXXX ( XXXX ) : inconsistent late coding ; XXXX extra late months not reflected at others. 

LAW VIOLATIONS : FCRA 1681e ( b ) cross-bureau inconsistencies ; not maximally accurate.

FCRA 1681i ( a ) failure to reasonably reinvestigate ; unverifiable late codes must be removed. 
XXXX XXXX Paid/Closed/Transferred no new delinquency reporting after closure/zero balance. 

REQUESTED RESOLUTION : Delete all late-payment codes for these XXXX accounts and report OK/Current ( or Paid/Closed Never XXXX where applicable ). 
Standardize each months status across XXXX. 
Written confirmation within 30 days. 

PRIOR DISPUTE NOTICE : I disputed these late codes in XXXX, XXXX, and XX/XX/year>. Under FCRA 611, the bureaus/furnishers failed to conduct a reasonable reinvestigation. I request CFPB intervention for a complete and final resolution. 

XXXX XXXX : These late codes materially depress my mortgage scores. Clean, accurate histories ( no late marks within the last 24 months ) are essential for underwriting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
IN XXXX : XXXX tradelines show late-payment codes that are inconsistent across bureaus and/or were reported after closure or during neutral statuses. The same months are coded differently across TU/EX/EQ, and in some cases, derogatories appear after the account was closed or currentthis is not XXXX XXXX compliant and XXXX harming mortgage underwriting. 

XXXX XXXX : XXXX Mortgage ( XXXX ) : late codes that conflict across bureaus ; require full removal and alignment to OK/Current. 
XXXX XXXX ( XXXX ) : lates coded for certain months while other bureaus show OK/blank for the same months. 
XXXX XXXX ( XXXX ) : XXXX and XXXX lates reported around closure/zero balance ; should not accrue new derogatories after paid/closed. 
XXXX XXXX ( XXXX ) : inconsistent late coding ; XXXX extra late months not reflected at others. 

LAW VIOLATIONS : FCRA 1681e ( b ) cross-bureau inconsistencies ; not maximally accurate.

FCRA 1681i ( a ) failure to reasonably reinvestigate ; unverifiable late codes must be removed. 
XXXX XXXX Paid/Closed/Transferred no new delinquency reporting after closure/zero balance. 

REQUESTED RESOLUTION : Delete all late-payment codes for these XXXX accounts and report OK/Current ( or Paid/Closed Never XXXX where applicable ). 
Standardize each months status across XXXX. 
Written confirmation within 30 days. 

PRIOR DISPUTE NOTICE : I disputed these late codes in XXXX, XXXX, and XX/XX/year>. Under FCRA 611, the bureaus/furnishers failed to conduct a reasonable reinvestigation. I request CFPB intervention for a complete and final resolution. 

XXXX XXXX : These late codes materially depress my mortgage scores. Clean, accurate histories ( no late marks within the last 24 months ) are essential for underwriting.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am filing this complaint because American Honda Finance is inaccurately reporting the status of a charged-off account. The account was officially charged off in XXXX, but the furnisher continues to report new missed payments every month after the charge-off date.

This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), once an account is charged off, a furnisher can not continue reporting additional delinquencies or late payments beyond the charge-off date. This activity is artificially prolonging the negative impact on my credit score.

I previously disputed this with XXXX XXXX XXXX XXXX  All three credit bureaus verified the account without correction, despite the clear reporting error. I also requested verification documentation from the company, but they did not provide any proof to support their continued reporting. 

I am requesting immediate deletion of this entire tradeline from all credit bureaus or, at minimum, removal of all late payments reported after the charge-off date in XXXX This is necessary to bring the reporting into compliance with FCRA and to stop the ongoing damage to my credit profile. 

I have attached screenshots of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On or about XX/XX/year>, I saw that Credit One Bank was reporting a delinquent account with 90-day late payments and a charged-off status. I never received proper validation of this debt, nor have I been provided with a copy of the original signed agreement or documentation proving this account is accurate, legally collectible, or that I authorized it. The company continued reporting negative information without providing verification as required under the Fair Credit Reporting Act. This negative reporting is causing harm to my credit profile and is inaccurate, incomplete, or unverifiable. I requested validation and proof of ownership but did not receive a response or the required documentation. Therefore, I am disputing this account and requesting that it be removed immediately from all credit reports due to failure to verify and continued reporting of inaccurate 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 2025-10-24 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: WA

Complaint narrative:
On or about XX/XX/year>, I saw that Credit One Bank was reporting a delinquent account with 90-day late payments and a charged-off status. I never received proper validation of this debt, nor have I been provided with a copy of the original signed agreement or documentation proving this account is accurate, legally collectible, or that I authorized it. The company continued reporting negative information without providing verification as required under the Fair Credit Reporting Act. This negative reporting is causing harm to my credit profile and is inaccurate, incomplete, or unverifiable. I requested validation and proof of ownership but did not receive a response or the required documentation. Therefore, I am disputing this account and requesting that it be removed immediately from all credit reports due to failure to verify and continued reporting of inaccurate information.

Company response to consumer: Closed with non-monetary relief