vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-27 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-28 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

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 2025-06-28 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: GA

Complaint narrative:
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. 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 2025-06-28 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 writing to formally dispute a hard inquiry that has been listed on my credit report. I recently reviewed my credit file and discovered an inquiry that I did not authorize, approve, or initiate. According to the Fair Credit Reporting Act ( XXXX  ), any entity accessing my credit report must have a permissible purpose and my explicit consent prior to conducting a hard inquiryI have not applied for credit with this organization, nor have I had any business dealings that would permit them to review my credit report. Therefore, I respectfully request that you investigate this matter under XXXX U.S.C. XXXX and XXXX U.S.C. XXXX and provide a full explanation of how and why this inquiry was allowed. If the inquiry can not be validated with proper documentation of my authorization, I kindly request that it be immediately deleted and removed from all versions of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery associates according to XXXX USC XXXX XXXX and XXXX USC XXXX they broken the law by reporting a debt on my Experian TransUnion Equifax with unlawful communications knowing they don't have a contract in writing from me giving them permission report a debt they don't own to report which was sold to them from XX/XX/XXXXXXXX sold my personal account and information with out my permission after the account was reported as a charge off and still list the account as open and reporting late payments on account and it have been paid and closed both companies are still reporting debt and late fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 2025-06-28 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: IL

Complaint narrative:
I am submitting this complaint against Affirm , Inc. regarding inaccurate and derogatory reporting on my credit file, which I believe constitutes a violation of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as potential breaches of internal compliance obligations on the part of Affirm. 

I opened an account with Affirm to finance XXXX purchases using their buy now, pay later installment service. At the time of account setup, I enrolled in automatic payments using a valid debit card. Despite this, Affirm is reporting multiple late payments on my credit reports. 

However, I never received any written communication, neither via physical mail nor electronically, informing me that : My automatic payments were failing ; My account was considered delinquent ; I would be reported to the credit bureaus for non-payment. 

Under 15 U.S. Code 1681s-2 ( a ) ( 7 ) of the Fair Credit Reporting Act, furnishers of credit information are required to provide notice to the consumer at the time they report negative information to a credit bureau . Additionally, the FDCPA and general consumer protection standards require that creditors provide clear, timely, and verifiable communication regarding failed payments and an opportunity to cure the delinquency before any negative reporting occurs. 

Furthermore, I discovered that Affirm reassigned my automatic payment method to a previously closed account without my consent. This is a breach of internal authorization protocols and may constitute unauthorized account access or manipulation, violating the Electronic Fund Transfer Act ( EFTA ), particularly Regulation E ( 12 CFR 1005.10 ( b ) ), which governs preauthorized transfers and requires explicit consumer authorization.

Once I became aware of the situation, I acted in good faith and paid the full balance owed. Given the lack of notification, the unauthorized reassignment of my payment method, and the improper negative reporting that occurred as a result, I am requesting the following : Immediate investigation into the handling of my payments and account activity. 

Full removal of all negative payment history related to this account from all credit bureaus. 

Written confirmation that Affirm will implement proper notification protocols going forward. 

The reporting of these derogatory marks has materially impacted my creditworthiness and ability to obtain financing. I believe this matter reflects a failure on the part of Affirm to uphold federally mandated consumer protections and good faith servicing practices. 

I am requesting that this matter be escalated and resolved promptly, and I reserve my right to pursue additional legal remedies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am requesting removal of a collection account reported by Portfolio Recovery ( Original Creditor : Portfolio Recovery ) that I previously disputed. I sent a written debt validation request in early XX/XX/year>, requesting verification of the alleged debt per the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any documentation or proof to validate this debt. 

Despite their failure to provide verification, Portfolio Recovery has continued reporting this account to the credit bureaus, most recently on XX/XX/year> and marked the account closed, while still showing it as placed for collection and dispute resolved, subscriber disagrees. This is misleading and damaging. 

Under the FDCPA, if a consumer disputes a debt and the collector fails to validate it, the debt can not legally continue to be reported. I am formally requesting that this account be deleted from all credit reporting agencies due to the lack of validation and the ongoing harm this inaccurate reporting is causing to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
EASTERNACCOS is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERNACCOS 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XXXX XXXX I saw that my social security was on the dark web. Multiple companies, including Home Depot, were affected. 

Other banks have stepped up to secure my account ( s ) but NOT Home Depot.

Instead, they are charging me multiple times all around stores in New York and adding that to my overall balance. They also REFUSE to cancel or block the card in question??? 

Today was the last straw when the suspect was able to call into Home Depot and use MY bank account to make a payment to lower the balance so that he could continue shopping.-WOW I notified Home Depot immediately , and they put me on hold, and then they hung up on me I have attached a Police Report also : # 1 The MASSIVE fraud that Home Depot is allowing to happen # 2 A screenshot that shows the service is unavailable for me to report my OWN card # 3 A screenshot where a payment was made by Home Depot customer service , that I did NOT authorize # 4 The suspect 's information listed on MY Home Depot portal Thank You

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute certain information on my credit report. Please investigate and correct or remove the following inaccurate or outdated items : XXXX XXXX Bank Account # : XXXX Issue : Settled account reporting as charge-off with XXXX negative months. 


Request : Please verify the accuracy of these reported latest and confirm proper status, or remove the tradeline if 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 2025-06-28 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: CT

Complaint narrative:
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. 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 non-monetary relief