vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I bought an item online from XXXX jeweler it was returned and then later apparently said another purchase was bought, which is not true and sold it to XXXX XXXX XXXX, which is trying to say that I owe them the money in Which number XXXX I never made any agreements or contracts with XXXX  XXXX And that does that is null and void no evidence, receipts or anything has been supplied or delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX  days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-25 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: TX

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 XXXX 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
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX 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 2025-07-25 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:
It has come to my attention that several hard inquiries have been added to my credit report without my knowledge or approval. I am concerned about the possibility of identity misuse.

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 2025-07-25 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 writing to formally dispute a late payment entry that has been reported on my credit file. I maintain a consistent habit of fulfilling my financial responsibilities on time, and this negative mark appears to be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX CO DA ] Account Number : [ 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 2025-07-25 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I have used Affirm.com installments in XXXX and XXXX and have never changed numbers between these times. I applied for an installment loan early XX/XX/XXXX and was declined and it given a reason. After a phone call on XXXX, with Affirm.com support line, i was notified that my identity cant be verified due to my number being on another persons account. The team member transferred me to a new member and i was told a case will be submitted with a follow up email in XXXX days. i waited about a week and called again on XX/XX/XXXX since i got no email. This time another team member looked for my case and couldnt find one, even after i was told one was submitted last week. so they submitted another one, and also told me to make a new account with my information since someone else had my number previously. the next day i got an email from supervisor XXXX XXXX that i can not be verified and they will permanently move on with this decision. i call again, XX/XX/XXXX, asking why they can decline me when they didnt even send me verification forms. after the phone call on XX/XX/XXXX i got emailed verification forms to send a picture of my state ID and a picture of myself, i completed these forms. XX/XX/XXXX i was called by XXXX XXXX and told i will not be able to get verified and can not use affirm services since my information does not match the account. This makes no sense as they told me my number was on someone elses account and i confirmed to them that is not me and that this is me and made my new account on XX/XX/XXXX. At this point on XX/XX/XXXX i submit Affirm.com to IdentityTheft.gov because they have not done anything to take my number off of the persons account. XX/XX/XXXX I receive a message from XXXX at affirm support that i have been verified and i can apply for my loan. i check this on wednesday XX/XX/XXXX and everything looked good and approved. XX/XX/XXXX i received another message that my loan is approved and i can proceed to check out since my identity is verified, also by XXXX. So i finally look today XX/XX/XXXX, and its saying i cant be verified again and im not eligible for installments even though they just told me i am approved. I called at XXXX today to ask and was just told that i can not apply for a loan because my number is on another persons account. The same answer as it was XXXX, even thought say said it was resolved. I asked how is this possible still if i verified my identity and sent pictures of my state ID. Affirm support just said they will send in a case and wait XXXX days again, exactly like on XXXX. They are sending me in circles while someone has an account with my number even though i also have my account and i showed them proof of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, NY XXXX XXXX Phone Number Date : XX/XX/XXXX To : XXXX  Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Urgent Follow-Up Regarding Pending Dispute Demand for Resolution by XX/XX/XXXX This letter is a follow-up to the dispute I submitted on XX/XX/XXXX, regarding the inaccurate reporting of the following account : - Creditor Name : XXXX  XXXXXXXX XXXX  XXXX - Account Number XXXX XXXX  - Dispute Summary : Inaccurate payment history and unauthorized third-party contact, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite receiving notice that the creditor is requesting an extension of up to XXXX  days to investigate, I am formally rejecting this delay. The FCRA mandates that disputes must be resolved within XXXX  days, and this account should be fully verified or removed no later than XX/XX/XXXX. 

Given that : - This is not my first dispute on this account. 
- The reported information is factually inaccurate and misleading. 
- The creditor has contacted individuals not listed as cosigners or authorized users, which violates FDCPA 1692c ( b ).

I am requesting immediate resolution of the dispute on or before XX/XX/XXXX. Failure to do so would constitute willful noncompliance with the FCRA and may result in legal action or further regulatory complaint.

I am demanding the following : 1. Written confirmation that the dispute will be resolved by the XX/XX/XXXX deadline.

2. Immediate deletion of the inaccurate tradeline if it can not be verified within the required timeframe.

3. Full disclosure of any documentation submitted by the creditor.

4. Acknowledgment that unauthorized contact with third parties will be reviewed for potential FDCPA violations.

Please consider this letter as an official part of my dispute record. I expect full compliance with federal law. 

Sincerely, 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 2025-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX, NY XXXX XXXX Phone Number Date : XX/XX/XXXX To : XXXX  Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Urgent Follow-Up Regarding Pending Dispute Demand for Resolution by XX/XX/XXXX This letter is a follow-up to the dispute I submitted on XX/XX/XXXX, regarding the inaccurate reporting of the following account : - Creditor Name : XXXX  XXXX XXXX XXXX - Account Number XXXX XXXX  - Dispute Summary : Inaccurate payment history and unauthorized third-party contact, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite receiving notice that the creditor is requesting an extension of up to 60 days to investigate, I am formally rejecting this delay. The FCRA mandates that disputes must be resolved within XXXX  days, and this account should be fully verified or removed no later than XX/XX/XXXX. 

Given that : - This is not my first dispute on this account. 
- The reported information is factually inaccurate and misleading. 
- The creditor has contacted individuals not listed as cosigners or authorized users, which violates FDCPA 1692c ( b ).

I am requesting immediate resolution of the dispute on or before XX/XX/XXXX. Failure to do so would constitute willful noncompliance with the FCRA and may result in legal action or further regulatory complaint.

I am demanding the following : 1. Written confirmation that the dispute will be resolved by the XX/XX/XXXX deadline.

2. Immediate deletion of the inaccurate tradeline if it can not be verified within the required timeframe.

3. Full disclosure of any documentation submitted by the creditor.

4. Acknowledgment that unauthorized contact with third parties will be reviewed for potential FDCPA violations. 

Please consider this letter as an official part of my dispute record. I expect full compliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IN

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 explanation
Consumer complaint received 2025-07-25 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: TX

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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: ID Analytics, Inc.
State: MD

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

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