vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

Complaint narrative:
Dept collector keep emailing me back to back about a dept that isnt mine and was a result of identity theft!

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 2025-12-29 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: MO

Complaint narrative:
I used Affirm to pay XXXX for a weight loss program. After I joined the program I was very unhappy with the service provided so I cancelled. I was due a refund of {$270.00}, which wouldve been sent to Affirm. I have been in a battle between both companies trying to track down these funds for 6 months. I have disputed with affirm twice and both times they have ruled in favor of XXXX but will not provide me any information on what they used to make the decision. XXXX has finally provided an ARN number to track the refund which I provided to Affirm and they did not attempt to track or acknowledge the number. I can not recover the funds unless Affirm gives me evidence that the XXXX number is or isnt applicable. Affirm has been extremely difficult to work with and try to recover the funds. Seeing as most the people use their services due to a lack of funds, their practices need to be evaluated on recovery of funds for refunds. I would recommend using one of the other buy now pay later options due to the trouble and lack of customer service or even willingness to provide information on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is furnishing a collection account to XXXX  that was claimed as updated/verified, but the company has not provided documentation proving the accuracy, completeness, or legal ownership of the debt they furnished.

Under the FCRA 15 U.S.C. 1681s-2 ( b ), a furnisher must be able to substantiate the accuracy and ownership of any debt reported to a consumer reporting agency. 

I am requesting that LVNV Funding LLC provide evidence that the information they furnished is accurate and that they have the legal right to report this debt, or remove the account from all consumer reporting agencies if they can not substantiate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
XXXX"I was bumped from a XXXX XXXX flight on XXXX XXXX XXXX, flying from XXXX to XXXX XXXX. In exchange for taking a flight 24 hours later, XXXX  offered me XXXX in rewards cards. I followed the emails and prompts and was emailed multiple times by XXXX XXXX. One email was a confirmation of four XXXX  Amex Rewards cards, with links to click. Upon clicking the links, I am forwarded to a sign in page for Amex, that is unable to load and claims error. On top of this, the page asks for information I have not been provided, such as card expiration dates and CVV.\n      I've tried calling AMEX and XXXX, but do not get anywhere. AMEX claimed the card numbers provided in the emails are not eligible card numbers. The only information I have gleaned from emails and downloading everything available is the card numbers and PINs for four different XXXX  cards. I do not want to waste anymore of my time with this nonsense and want a XXXX check from AMEX or XXXX in the mail. XXXX XXXX  printed info on the same paper as boarding passes, and mine stated XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
I am disputing an auto loan account that is being reported with an incorrect account status. 

I filed a CFPB complaint on XX/XX/year> regarding this account after it was inaccurately reported on my credit report. One credit bureau deleted the account after verification, confirming that the information could not be properly verified. 

Despite this, the account continues to be reported by other credit bureaus and has now been updated to a charge-off an updated the type of account it was, which is inaccurate and inconsistent with prior reporting. 

The company responded to the prior CFPB complaint stating it will update, but the issue remains unresolved and the inaccurate charge-off is still being furnished. 

Reporting an account as a charge-off while the same account has been deleted by another bureau constitutes inaccurate and inconsistent reporting and reflects a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
I went on a cruise and returned XX/XX/year>, upon returning my account was charged the correct amount. The company also had transactions pending which they said its up to my bank to release since Ive paid them in full. Cash app is refusing to release funds. They have been pending 9 calendar days and 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am disputing an auto loan account that is being reported with an incorrect account status. 

I filed a CFPB complaint on XX/XX/year> regarding this account after it was inaccurately reported on my credit report. One credit bureau deleted the account after verification, confirming that the information could not be properly verified. 

Despite this, the account continues to be reported by other credit bureaus and has now been updated to a charge-off an updated the type of account it was, which is inaccurate and inconsistent with prior reporting. 

The company responded to the prior CFPB complaint stating it will update, but the issue remains unresolved and the inaccurate charge-off is still being furnished. 

Reporting an account as a charge-off while the same account has been deleted by another bureau constitutes inaccurate and inconsistent reporting and reflects a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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 2025-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting by Aldous & Associates. 

A collection account related to an unlawful detainer/lease matter is owed by me ; however, a court order clearly limits liability to me only and removes other individuals from responsibility. Despite this, Aldous & Associates failed to timely and accurately update their records and credit reporting after receiving the court order. 

I provided Aldous & Associates with a copy of the court order in early XX/XX/year>. On or about XXXXXXXX XXXX the company confirmed receipt of the court order. As of today, the account has not been properly corrected, and the delayed and inaccurate reporting has continued to damage my credit. 

I have taken good-faith steps to notify the company and resolve this matter, including submitting documentation and filing a CFPB complaint. I am requesting that Aldous & Associates comply with the court order, ensure accurate credit reporting, and provide written confirmation once the correction is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Chime Financial Inc
State: GA

Complaint narrative:
This is a Chime XXXX XXXX secured card issued by XXXX XXXX. A {$3.00} closing balance was reported as a charge-off in XX/XX/year>. This was not a traditional revolving credit debt situation but a processing/closure balance, and XXXX XXXX is marketed as not harming credit. 

This reporting is disproportionate, unfair, and inconsistent with the intended design of the product, and it is causing substantial negative impact compared to the trivial secured risk involved. The balance is resolved. 

I am requesting removal of the charge-off status or deletion of this tradeline in fairness and goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
FORMAL DISPUTE & REQUEST FOR REMOVAL OF INACCURATE HIGH-RISK / IDENTITY DATA Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : DISPUTE OF INACCURATE HIGH-RISK & IDENTITY INDICATORS Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : XXXX Email : XXXX SSN ( Last XXXX ) : XXXX NOTICE OF DISPUTE I am writing to formally dispute inaccurate, misleading, and unverifiable information currently appearing in my consumer credit file, including high-risk fraud indicators and identity-related flags that do not belong to me. 

These inaccuracies have caused denials and restrictions and do not accurately reflect my identity or financial history. 



DISPUTED INFORMATION I am disputing all data that includes or results in : High-risk fraud indicators High-risk or false identity indicators Digital or automated identity scoring Third-party risk or verification data Any inaccurate or unverifiable information tied to my identity These items are incorrect, misleading, and harmful. 



AUTHORIZED PERSONAL INFORMATION ONLY The ONLY accurate and authorized information that should appear on my credit profile is : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Ohio XXXX Phone : XXXX Email : XXXX All other names, phone numbers, email addresses, or identifiers must be deleted immediately. 



LEGAL BASIS Pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Requirement for maximum possible accuracy 15 U.S.C. 1681i Requirement to reinvestigate disputed information 15 U.S.C. 1681s-2 Duty to correct or delete inaccurate data You are required to correct or delete any information that can not be verified as accurate.

FORMAL REQUEST I respectfully request the following : 1. Immediate deletion of all inaccurate high-risk and identity-related indicators 2. Correction of my personal identifying information 3. Written confirmation of the results of your investigation 4. An updated consumer report reflecting accurate information only NOTICE Failure to comply may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and/or the Ohio Attorney General, as allowed under federal law. 

This dispute is submitted in good faith and under penalty of perjury. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2025-12-29 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-29 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: NM

Complaint narrative:
I discovered fraudulent 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 2025-12-29 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX reported a 90-day delinquency on my federal student loan that is inaccurate. My loan was in forbearance while my income-driven repayment plan was being processed. Payments were automatically resumed without any written notice that my forbearance had ended. As a result, I received a delinquency notice for a payment I was not aware was due, and this was reported to credit bureaus. Under 34 C.F.R. 682.205, servicers are required to provide timely written notice of delinquency status and repayment options, including forbearance and deferment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX reported a 90-day delinquency on my federal student loan that is inaccurate. My loan was in forbearance while my income-driven repayment plan was being processed. Payments were automatically resumed without any written notice that my forbearance had ended. As a result, I received a delinquency notice for a payment I was not aware was due, and this was reported to credit bureaus. Under 34 C.F.R. 682.205, servicers are required to provide timely written notice of delinquency status and repayment options, including forbearance and deferment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had a questionable charge on my card. Deal struck with Navy Federal Credit Union was to leave my card on until my new card showed up. I went to buy food and found out they had frozen my card. When I told them what I was doing, they refused to turn my card back on. In accordance with 31 CFR Part 212 they didn't protect my access to my VA Funds. This is what Ineat from, now No food until i move to a new financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CT

Complaint narrative:
I am filing this complaint because TransUnion is reporting an auto accident as At Fault Waived, which is inaccurate, misleading, and has resulted in insurance rate harm. 

This incident was determined NOT at fault/ waived by the insurer, meaning I was not held liable and no surcharge should apply. However, TransUnion continues to publish this incident in a manner that falsely implies liability by including the words At Fault. That wording misrepresents the nature of the event and causes insurers to treat it as an at-fault accident even though it is not. 

This violates the Fair Credit Reporting Act because TransUnion is required to report information with maximum possible accuracy, and information that is misleading or incomplete is legally inaccurate. 

I have already disputed this with TransUnion and requested correction or removal. I also requested the source and verification documentation. The reporting remains unchanged. 

Because of this, I have suffered financial harm through increased insurance premiums, denial of fair rating, and repeated unfair risk classification.

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