vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I made a lump payment on XX/XX/XXXX of XXXX  and the XXXX XXXX XXXX shut off my auto pay without notifying me. They stopped sending me bills and emails for payments. I did not pay the last 4 months of my lease in advance incase I turned vehicle in early. I received an alert a year later from credit karma stating XXXX reported a 30 day past due payment. I contacted them and they stated they turned off my auto pay because I paid a whole year in advance without notification. Then they did not send me invoices showing I when next payment was due according to the XXXX credit representative. I made payment again for the past due amount and the next month in advance. I also opened a dispute with them and they have not resolved it and removed it off my credit report. Lowering my credit from XXXX to XXXX for a XXXX payment. XXXX lease I did the same but they send me invoices and notifications every month and never turned off my auto pay. How was I supposed to know the exact day if they shut off my auto payment with my knowledge and stop sending me bills. Until today I still have yet to receive a bill even after speaking with them. I have never been late on a payment ever and Im always ahead. I need this to be removed and fixed since XXXX credit is not doing their job and fixing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I made a lump payment on XX/XX/XXXX of XXXX  and the XXXX XXXX XXXX shut off my auto pay without notifying me. They stopped sending me bills and emails for payments. I did not pay the last 4 months of my lease in advance incase I turned vehicle in early. I received an alert a year later from credit karma stating XXXX reported a 30 day past due payment. I contacted them and they stated they turned off my auto pay because I paid a whole year in advance without notification. Then they did not send me invoices showing I when next payment was due according to the XXXX credit representative. I made payment again for the past due amount and the next month in advance. I also opened a dispute with them and they have not resolved it and removed it off my credit report. Lowering my credit from XXXX to XXXX for a XXXX payment. XXXX lease I did the same but they send me invoices and notifications every month and never turned off my auto pay. How was I supposed to know the exact day if they shut off my auto payment with my knowledge and stop sending me bills. Until today I still have yet to receive a bill even after speaking with them. I have never been late on a payment ever and Im always ahead. I need this to be removed and fixed since XXXX credit is not doing their job and fixing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I sent in a debt removal letter to Experian as well as Equifax and Trans Union and they have yet to get back to me after 30 days. I am requesting that every single third-party debt and any negative remarks on my account be removed due to the 30 days passing with no word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I sent in a debt removal letter to Experian as well as Equifax and Trans Union and they have yet to get back to me after 30 days. I am requesting that every single third-party debt and any negative remarks on my account be removed due to the 30 days passing with no word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } XXXX XXXX  I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case 8:25-cv-00024 ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am formally filing a complaint with I C SYSTEM ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX ) data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
I am filing this formal complaint against TransUnion, LLC, due to ongoing inaccuracies in my credit and rental background reports, and their failure to correct disputed inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681i ( FCRA 611 ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) Failure to adopt reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681g ( a ) / ( g ) ( c ) Failure to provide complete information and summaries of rights when disclosing credit information. In XX/XX/XXXX, the CFPB and FTC jointly fined TransUnion a total of {$23.00} XXXX for FCRA violations. This included {$15.00} XXXX related to inaccurate eviction records in tenant screening reportssuch as reporting multiple entries for the same eviction, misreporting eviction dispositions, and including sealed recordsand an additional {$8.00} XXXX for mishandling credit freeze and lock requests, often placing consumer requests into prolonged backlogs.n the landmark Supreme Court case TransUnion LLC XXXX XXXX ( XXXX ), the Court found that TransUnion violated FCRA 1681e ( b ) by including terrorist-list alerts in credit reports, thus failing to follow reasonable procedures to ensure accuracy. This case underscores TransUnions broader issues with erroneous alerts and reporting failures.I intend to include relevant case documents, such as the CFPB/FTC consent orders and the Supreme Court ruling in XXXX, to demonstrate TransUnions pattern of noncompliance and systemic reporting failures that impacted numerous consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CO

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX XXXX BALANCED {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CO

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX XXXX BALANCED {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
XXXX is reporting a charge-off account on my Equifax, TransUnion, and Experian credit XXXX, with a high balance of {$7100.00}, despite the credit limit being only {$5800.00}. This over-the-limit reporting is factually inaccurate. I submitted dispute letters to the credit bureaus, but they did not verify the account. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), credit bureaus must ensure maximum possible accuracy. They also failed to respond with the required method of verification under XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

I am requesting that the CFPB investigate and ensure they comply with federal reporting laws by either verifying this account with documentation or permanently deleting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
on XX/XX/XXXX I was in the XXXX airport where XXXXXXXX XXXX XXXX XXXX  put me in a loan with us based affirm without my knowledge. On XX/XX/XXXX I got a text from affirm when I clicked on the link it said I owe XXXX plus interest of XXXX. I was shocked and called affirm right away. I told them I was scammed. I never signed any loan docs never was disclosed any interest rate payment amounts I dont even know what I am being charged for they told me member ship fees and XXXX what is that and who do I call? i was never left any receipts in my bag or any copies of loan disclosures. I keep disputing this with affirm they keep favoring the vendor. When in fact the vendor is not responding or giving them any documentation. I told affirm several times I was not presented with loan docs or truth in lending act, they just keep saying they favor the vendor even though they are giving them no documentation, Affirm says the only way to get this loan credited back is to talk to the vender, the vendor hangs up on me when I call and wont speak with me. I told affirm that again I was scammed and tricked and never saw any documentation of the loan or truth of lending disclosure they keep telling me they favor the vendor. this entire situation is ruining me no one will help me and I dont know where to turn, i cant afford a bill for XXXX. Affirm doesnt seem to care that i never received any loan disclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This is a follow-up complaint regarding inaccurate and unauthorized information still appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I continue to dispute the accuracy of the reported amount. 
I am again requesting a full reinvestigation of this account. If the debt can not be substantiated with complete documentation and verified proof of ownership, I am requesting its immediate removal from my credit file. Please provide written confirmation of the outcome of your investigation. 
Thank you for your continued attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$70.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This is a follow-up complaint regarding inaccurate and unauthorized information still appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I continue to dispute the accuracy of the reported amount. 
I am again requesting a full reinvestigation of this account. If the debt can not be substantiated with complete documentation and verified proof of ownership, I am requesting its immediate removal from my credit file. Please provide written confirmation of the outcome of your investigation. 
Thank you for your continued attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$70.00}

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am disputing the misleading and harmful reporting of a Discover credit card account ( ending in XXXX ), which was settled for less than the full balance in XXXX and closed in XXXX. Despite resolution, Discover has continued to report this account with inaccurate, contradictory, and damaging information across the credit bureaus. 

Specifically : The account is labeled as Paid in Full while also marked as settled these are mutually exclusive and legally incompatible terms. 
28 months of rolling charge-off ( CO ) notations are still being reported long after the account was closed on XX/XX/XXXX. 
A last payment date of XX/XX/XXXX is being reported, artificially re-aging the tradeline and extending damage beyond what the law allows. 
The high balance and credit limit are reported as current from XX/XX/XXXX to XX/XX/XXXX, despite no account activity and a closed status since XXXX. 

These updates are not only misleading but violate the Fair Credit Reporting Act, specifically : FCRA 605 ( c ) : Reporting windows must be based on the Date of First Delinquency ( DOFD ). Discovers rolling updates re-age the account.

FCRA 1681s-2 ( b ) : Furnishers must correct and stop reporting inaccurate or misleading data.

FCRA 1681e ( b ) : Furnishers must report with maximum possible accuracy.

XXXX XXXX guidelines : Post-closure updates and extended charge-off entries are non-compliant.

This conduct has caused ongoing harm. I am a stay-at-home grandmother with no income or attachable assets, and I rely entirely on my credit to access housing, basic necessities, and financial services. This continued false reporting has led to credit denials, increased interest rates, emotional distress, and long-term financial instability. 

This XXXX  credit report shows Discover Bank continuing to report false, re-aged, and misleading information, including monthly charge-off notations after settlement, false paid in full labeling, and balance reductions post-closure. It supports all claims in this complaint.

I previously disputed this through the credit bureaus and XXXX  complaint channels, but the misleading and contradictory data continues. As such, I am filing this complaint directly against Discover Bank as the furnisher of the inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IN

Complaint narrative:
I have recently checked my recent credit report and noticed multiple innacurate accounts that do not belong to me and are damaging to my report to myself moving forward.

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