vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous dispute concerning XXXX XXXX XXXX, account number XXXX, balance {$5000.00}. In my prior correspondence, I raised concerns regarding inconsistent Last Payment Dates reported across bureausEquifax showing XX/XX/2024, and TransUnion showing XX/XX/XXXX, XXXX well as the absence of an IRS Form XXXX, indicating that the debt had not been forgiven or legally discharged.

Despite my initial dispute, the response I received did not adequately address the key issues I raised. The discrepancies in reporting, the lack of proper documentation, and the possibility of misreporting due to identity or address confusion were not resolved. The response appeared generic and dismissive, leaving the inaccuracies on my credit report uncorrected and continuing to harm my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit history. Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to ensure all information is complete and accurate, while FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute information that can not be verified and mandates that unverifiable or inaccurate information must be deleted. Additionally, the lack of a 1099-C or supporting documentation constitutes a failure to meet the requirements of 605B / 15 U.S.C. 1681c-2, which governs the accurate reporting of accounts including discharged or forgiven debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am following up on my previous dispute concerning XXXX XXXX XXXX, account number XXXX, balance {$5000.00}. In my prior correspondence, I raised concerns regarding inconsistent Last Payment Dates reported across bureausEquifax showing XX/XX/2024, and TransUnion showing XX/XX/XXXX, XXXX well as the absence of an IRS Form XXXX, indicating that the debt had not been forgiven or legally discharged.

Despite my initial dispute, the response I received did not adequately address the key issues I raised. The discrepancies in reporting, the lack of proper documentation, and the possibility of misreporting due to identity or address confusion were not resolved. The response appeared generic and dismissive, leaving the inaccuracies on my credit report uncorrected and continuing to harm my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit history. Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires credit reporting agencies to ensure all information is complete and accurate, while FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants me the right to dispute information that can not be verified and mandates that unverifiable or inaccurate information must be deleted. Additionally, the lack of a 1099-C or supporting documentation constitutes a failure to meet the requirements of 605B / 15 U.S.C. 1681c-2, which governs the accurate reporting of accounts including discharged or forgiven debts.

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 2025-09-23 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. These accounts do not belong to me, I never opened them, and I was never informed of their addition. On top of that, the information is being reported differently across the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requiring credit agencies to maintain maximum possible accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees me the right to a complete and accurate file disclosure.

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Loan XXXX XXXX XXXX XXXXXX/XX/XXXX I have purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$8300.00} using affirm as my payment method. I have received the item on XX/XX/XXXX as per merchants tracking number XXXX XXXX XXXXXX/XX/XXXX I have returned the item using label provided by merchant with tracking number XXXX. 
There hasnt been any movement on the tracking number since drop off. I have contacted XXXX and they told me that it looks like the package was lost and that I have to contact merchant since they provided the label so they can open the claim. I have contacted merchant on XX/XX/XXXX by phone and they responded by email. The response was totally opposite to what I told them. They were saying that I never received the item but the case was that I RECEIVED but then I RETURNED the item. They advised me to wait XXXX business days and that they will check in with me by XX/XX/XXXX. I never heard back from them again! 
I tried to dispute transaction with AFFIRM since I used them as my payment method and theyve been not helpful. I have opened the case multiple times and they closed in merchants favour every time even tho I have provided all the evidence. They have advised me to contact merchant which I tried so many times but they not replying to my emails. 
Affirm is threatening me to send my case to collection as I havent been making payments.since my case has been ongoing since XXXX and every time I opened the case they paused the payments. 
I no longer know what to do! I have no money to make payments especially for something that I dont even have! I have used them as my payment method and they should be there to help me in this kind of situations! This is not my fault that XXXX lost the package. I have followed all the instructions to return this item, Ive done nothing wrong! Ive been really struggling mentally because of how affirm treated me. I have no money to pay this nor I have the item!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting a formally dispute inaccurate information currently being reported on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i, I am exercising my right to request an investigation into the following accounts, which are being incorrectly reported and negatively affecting my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} As required under FCRA 1681i ( a ) ( 1 ), the XXXX Credit Bureaus must conduct a timely and complete investigation of these accounts. If the data furnisher can not verify the accuracy of the reported late payments, these negative marks must be removed from my file.

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 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am sending as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} These reporting errors are severely damaging my creditworthiness by painting a false picture of me as a consumer who does not pay obligations on time. In reality, I have always managed my accounts responsibly, paid my balances as agreed, and maintained a strong record of on-time payments. 
Because these false late payments lower my credit score and negatively affect my ability to obtain credit, they must be corrected immediately.

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 2025-09-23 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent certified dispute letters to Trans Union, Experian and Equifax on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX disputing incorrect and old outdated information. ( I also reported identity theft/data breaches in XXXX XXXX XXXX  due to lost or stolen computer bag on a train within XXXX days. ) ( Police Report attached. ) All three reporting agencies contacted me back saying that the information was accurate. 

I received new credit reports from Trans Union, Experian and Equifax in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  saying that the dispute are all complete, but nothing was done. 

My name is still showing inaccurate, multiple addresses are wrong and outdated. Account balances, payment histories and invalid reporting dates on my credit are incorrect. 

I'm requesting that they actually look at my information and correct delete the 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 2025-09-23 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: NV

Complaint narrative:
I sent certified dispute letters to Trans Union, Experian and Equifax on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX disputing incorrect and old outdated information. ( I also reported identity theft/data breaches in XXXX XXXX XXXX  due to lost or stolen computer bag on a train within XXXX days. ) ( Police Report attached. ) All three reporting agencies contacted me back saying that the information was accurate. 

I received new credit reports from Trans Union, Experian and Equifax in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  saying that the dispute are all complete, but nothing was done. 

My name is still showing inaccurate, multiple addresses are wrong and outdated. Account balances, payment histories and invalid reporting dates on my credit are incorrect. 

I'm requesting that they actually look at my information and correct delete the 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 2025-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

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 2025-09-23 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: CA

Complaint narrative:
I am submitting to formally dispute the presence of inaccurate addresses that are listed on my credit report. These addresses are erroneous and should not be linked to my credit file. The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at, received mail at, nor had any association with either of these locations. They do not represent any past residences or any locations where I have ever conducted business, and they are completely inaccurate entries on my credit report. 

To clarify, my correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Please ensure that this address is the only XXXX reflected on my credit report, as it is the accurate location where I currently reside. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 609 ( a ) ( 1 ), I have the right to access, review, and dispute any inaccurate information within my credit file. In addition, FCRA 611 ( a ) ( 1 ) ( A ) mandates that credit reporting agencies investigate and correct any disputed information that can not be verified, and it requires the correction or removal of inaccurate data within 30 days of receiving a formal 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute the presence of inaccurate addresses that are listed on my credit report. These addresses are erroneous and should not be linked to my credit file. The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at, received mail at, nor had any association with either of these locations. They do not represent any past residences or any locations where I have ever conducted business, and they are completely inaccurate entries on my credit report. 

To clarify, my correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Please ensure that this address is the only XXXX reflected on my credit report, as it is the accurate location where I currently reside. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 609 ( a ) ( 1 ), I have the right to access, review, and dispute any inaccurate information within my credit file. In addition, FCRA 611 ( a ) ( 1 ) ( A ) mandates that credit reporting agencies investigate and correct any disputed information that can not be verified, and it requires the correction or removal of inaccurate data within 30 days of receiving a formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred.

The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to 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 2025-09-23 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: MD

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief