vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy and/or completeness of information reported to the credit bureaus regarding my XXXXXX/XX/XXXXaccount, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX. 

Account Details : Creditor : XXXXXX/XX/XXXX Account Number : XXXX First Missed Payment : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Nature of Dispute : Upon review of my credit report, I have noticed information regarding this account that is inaccurate, incomplete, or unverifiable. 

Explanation : According to my records, the first missed payment occurred in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. However, there have been several other charge-off remarks since the initial one, with a pause between XX/XX/XXXX and resumption in XX/XX/XXXX. Please verify that the date of first delinquency and/or charge-off date is being reported accurately and in compliance with FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the accuracy and/or completeness of information reported to the credit bureaus regarding my XXXXXX/XX/XXXXaccount, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX. 

Account Details : Creditor : XXXXXX/XX/XXXX Account Number : XXXX First Missed Payment : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Nature of Dispute : Upon review of my credit report, I have noticed information regarding this account that is inaccurate, incomplete, or unverifiable. 

Explanation : According to my records, the first missed payment occurred in XX/XX/XXXX, and the account was charged off in XX/XX/XXXX. However, there have been several other charge-off remarks since the initial one, with a pause between XX/XX/XXXX and resumption in XX/XX/XXXX. Please verify that the date of first delinquency and/or charge-off date is being reported accurately and in compliance with FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX XXXX was open without my permission fraudulently on XX/XX/XXXX of 2024. Ive already complained to XXXXXXXX XXXX and disputed this item the amount of {$2100.00}. I was told to contact you guys to have this removed from my credit report. This has cause high interest for any loans that I am going for. I have also completed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed these same items with Equifax for well over XXXX months. Every time, I get the same canned verified response with no documentation from Equifax or any furnisher. No signed contracts, no statements, no payment ledgers, no charge-off notices nothing. I am not claiming identity theft and I am not authorizing anyone to act for me. I am pointing out factual errors and demanding validation under federal law. Equifax has not done a lawful reinvestigation. 
XXXX ) XXXX XXXXXXXX Late Payment ( Acct # XXXX ) Youre reporting late-pay codes without producing bank/statement evidence showing when a payment was actually due and posted. 
Until you provide the underlying statements, payment history, and internal records, this is hearsay and violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( reasonable reinvestigation ).

Metro 2 requires status codes to reflect documented facts. You have provided none. 
XXXX  Collection/Charge-Off ( {$0.00} ) ( Duplicate entries ) Same account number appears twice on my Equifax file with a {$0.00} balance coded as collection/charge-off.

A {$0.00} balance can not be coded as a charge-off under Metro 2 4.2.1/4.3.2, and duplicate reporting of the same account number is a Metro 2 uniqueness violation .

No charge-off notice, no final accounting, no ledger nothing from Equifax or XXXX. 
XXXX ( XXXX XXXX ) Charge-Off {$1300.00} No charge-off letter, balance computation, payment ledger, or cardholder agreement has ever been provided.

You can not mark verified without producing the documents that verify it. Thats a 611 ( a ) failure and a 607 ( b ) accuracy issue. 
XXXX XXXX Charge-Off ( {$0.00} ) Equifax is coding a {$0.00} balance as charge-off. That is not Metro 2 compliant.

No written validation ( final statements, ledger, or charge-off calculation ) has been provided. 
Inquiries ( Equifax ) No Permissible Purpose Provided I am listing the Equifax inquiries here for removal unless you prove FCRA-permissible purpose with documentary evidence ( application/authorization, date/time/IP, requester identity ) : XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX Under FCRA 604 ( a ), you must document permissible purpose. Youve provided nothing.

Pattern of Non-Compliance & Public Violations Equifax has a public history of data breaches and enforcement actions for mishandling consumer data and failing to conduct lawful reinvestigations. Sending me a copy of my own credit report or an investigation form is not validation. I asked for documents ; you sent no documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because Affirm is reporting inaccurate and incomplete information regarding my account on my credit reports. 

The information being furnished does not accurately reflect the accounts true payment history and standing. The reported data contains errors in the balance, payment status, and/or account history, which are inconsistent with my actual payment record. This inaccuracy is misleading and negatively affects my credit profile.

Under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), furnishers of information are required to report information that is both accurate and complete. I have fulfilled my obligations on this account, and Affirm has failed to ensure that my information is correctly represented across all three credit bureaus ( XXXX XXXX and XXXX  ). 

I have disputed this information previously with the credit bureaus, but the inaccurate data remains. I am therefore requesting CFPB intervention to ensure compliance and accurate reporting. 

I am requesting that the CFPB compel Affirm and all credit reporting agencies to take immediate corrective action either to update and accurately report the account or to delete it entirely if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -- Balance : {$240.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$880.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX # XXXX -- Balance : {$810.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
am filing this complaint because Experian is reporting inaccurate and unverifiable information from XXXX XXXX XXXX on my credit report. 

The account shows conflicting dates that are impossible : Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX This is illegal re-aging and violates the FCRA accuracy requirement under 15 U.S.C. 1681e ( b ). 

I never opened, authorized, or benefited from this account. Experian is reporting an item that can not be validated, has contradictory dates, and does not meet the maximum possible accuracy standard. 

I mailed Experian a certified dispute including : My Government-issued ID Proof of Address CFPB complaint confirmation

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

Complaint narrative:
I previously submitted disputes to Equifax, Experian, and TransUnion regarding accounts appearing on my credit reports that do not belong to me. These accounts were opened fraudulently, and I have no connection or authorization to them. I included an Identity Theft Report along with my proof of identity and address in my previous disputes to verify my claim. 

Despite providing all supporting documentation, these accounts are still being reported on my credit files, and the bureaus have failed to remove or correct the inaccurate information within the time allowed under the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to resolve this directly with the bureaus, but the issue remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Edit : I am currently in a great deal of pain and confusion due to my medical condition, and I realized I made an error regarding the branch name I visited today. It was the XXXX XXXX branch, not XXXX XXXX XXXX. This is the same branch where my business account was opened about a month ago by XXXX XXXX XXXX. 

XXXX XXXX kindly reviewed my evidence and carefully listened to my explanation about the incident that occurred at the XXXX branch. He also mentioned that he would escalate my situation to upper management for further review. 

I want to acknowledge that XXXX XXXX XXXX was extremely patient and highly professional throughout our interaction. His respectful and attentive approach stood out in contrast to how other departments have handled this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX'My credit report contains several accounts that need immediate attention'

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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

Complaint narrative:
According to U.S. code 1681c-2, I declare that the listed accounts were reported without my written permission. These accounts results from identity theft and must be removed, as they are not connected to any transactions I have made as the consumer. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-11-11 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: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is not my account, and it appears on my credit report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
I purchased a purse on XX/XX/XXXX and used affirm to pay for it in installments. I returned this purse in XX/XX/scrub> 2025 and have yet to receive a refund. XXXX has confirmed that I returned the purse, but affirm still will not refund me. I have filed a dispute with a firm XXXX separate times and keep getting denied and Im not sure why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 ( 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 2025-11-10 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:
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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting of XXXX XXXX XXXX XXXX Account Dear TransUnion, I am formally disputing the reporting of the following account on my credit report : Creditor : XXXX XXXX XXXX XXXX Account Number : Date Closed : XX/XX/year> Reported Status : Charge-off ( C/O ) This account was charged off and sold. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( a ) and 15 U.S.C. XXXX, a credit reporting agency must report only accurate and complete information. The original creditor no longer owns this account, yet my credit report shows : Updated high balance and credit limit for XXXX Monthly C/O status updates These repeated updates are inaccurate and constitute re-aging of a charged-off account, which is prohibited under the FCRA. Continuing to report the account in this manner is misleading, false, and materially incorrect. 
Requested Action : XXXX. Investigate this account with the original creditor. 
XXXX. Correct the reporting to reflect the actual charge-off date ( XX/XX/year> ) and sold status. 
XXXX. Remove any monthly updates to the balance, credit limit, or C/O status that occurred after the account was sold. 
XXXX. If the creditor can not verify the accuracy of this reporting, delete the tradeline entirely from my credit report. 
Please provide written confirmation of your findings and any corrections made to my credit report. I also request that you include a statement of correction if the account is updated or deleted. 
Thank you for your prompt attention to this serious matter. 
Sincerely, 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