vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - XXXX : {$520.00} - Account # : XXXX XXXX XXXX Balance : {$3000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX - XXXX : {$520.00} - Account # : XXXX XXXX XXXX Balance : {$3000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

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 non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
I am formally disputing the accuracy of the information reported on my credit file and demanding an immediate investigation into the matter. The items in question are inaccurate, incomplete, and do not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and TransUnion are required to conduct a reasonable investigation within 30 days. Failure to do so constitutes a violation of my consumer rights under federal law which they failed to send me the investigation results and did not delete them.

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 2025-04-20 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: Experian Information Solutions 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 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 2025-04-19 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I recently took a look at my credit report and noticed that there are fraudulent accounts open and were not authorized by me. Can you please remove all fraudulent accounts, as it is hurting my chances of obtaining credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Please understand that this is a formal and valid complaint that warrants immediate attention. My credit report contains inaccurate and misleading information that clearly falls short of the legal standard of maximum possible accuracy. These errors are not only unacceptablethey are actively and significantly damaging my financial stability and personal well-being. I am demanding a thorough investigation into each of these inaccuracies, followed by their prompt correction or complete removal. This matter is urgent, and resolution is not optionalit is absolutely imperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please understand that this is a formal and valid complaint that warrants immediate attention. My credit report contains inaccurate and misleading information that clearly falls short of the legal standard of maximum possible accuracy. These errors are not only unacceptablethey are actively and significantly damaging my financial stability and personal well-being. I am demanding a thorough investigation into each of these inaccuracies, followed by their prompt correction or complete removal. This matter is urgent, and resolution is not optionalit is absolutely imperative.

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 2025-04-18 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:
Please understand that this is a formal and valid complaint that warrants immediate attention. My credit report contains inaccurate and misleading information that clearly falls short of the legal standard of maximum possible accuracy. These errors are not only unacceptablethey are actively and significantly damaging my financial stability and personal well-being. I am demanding a thorough investigation into each of these inaccuracies, followed by their prompt correction or complete removal. This matter is urgent, and resolution is not optionalit is absolutely imperative.

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I attempted to request a loan to pay for a purchase from XXXX XXXX XXXX for {$130.00}. I immediately received a notification that my account was frozen due to suspicious activity. I attempted to call and spoke with a customer representative and told them that I had used Affirm before for a recent loan for the same company and that nothing happened with the previous loan, I was approved and currently paying it off. The customer representative told me that someone from their support team would be in touch in 3-5 business days. I received an email stating I had a secure message from Affirm, I attempted to access the message through the Affirm app and was sent a second email stating that my account was frozen. I then spoke today with a customer representative and a supervisor because they were doing the same thing as the first rep, and the supervisor was no help. He stated that my account was frozen and that he couldnt view my account or unlock it. I asked it this happens often and what about my outstanding loans balances, were they forgiven, he stated that they would be being that I cant access them. I asked for an email or letter confirming that my loans would be forgiven based on the fact that they froze my account and payments, he couldnt give me a clear answer. I have no way of accessing my account, no solution was given at the end of my call and I have two outstanding loans. I have also researched online for similar issues and several reports are on XXXX with the same or similar issues from Affirm and other customers. Their company should be reported and or shutdown. This is fraud and they are ruining peoples credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations and Failure to Investigate Disputes To Whom It May Concern : I am submitting this formal complaint against the three major credit reporting agenciesExperian, Equifax, and TransUnionfor their continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically their failure to investigate and resolve my disputes regarding fraudulent and inaccurate information on my credit reports within the required four ( 4 ) business days, as required under 15 U.S. Code 1681i. 

Despite following proper dispute procedures and providing supporting documentation, including an FTC identity theft report, these agencies have repeatedly disregarded my claims, failed to correct inaccurate data, and permitted the reinsertion of previously deleted items without proper notification or justification, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

I have escalated this matter by submitting formal complaints to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Office of the Attorney General, both of which have been attached to this submission along with : My original disputes Proof of past deletions Evidence of reinsertion My FTC Identity Theft Report A copy of the letters sent to the XXXX and Attorney Generals Office Their lack of compliance and continued negligence in handling my disputes demonstrate a blatant disregard for federal consumer protection laws. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), reinsertion without proper notification and certification is a direct violation of my rights.

This is my 6th request and complaint and no resolution.

Next Legal Action : Should this issue remain unresolved, I will move forward with filing a civil lawsuit with the support of an FCRA attorney and seek monetary damages for the ongoing harm caused to my credit, peace of mind, and financial opportunities. This includes claims for emotional distress, negligence, and failure to comply with federal consumer rights. 

I am prepared to take all necessary legal steps to protect my rights under the law. I appreciate the CFPBs immediate attention and intervention.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian, Equifax, and TransUnion for FCRA Violations and Failure to Investigate Disputes To Whom It May Concern : I am submitting this formal complaint against the three major credit reporting agenciesExperian, Equifax, and TransUnionfor their continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically their failure to investigate and resolve my disputes regarding fraudulent and inaccurate information on my credit reports within the required four ( 4 ) business days, as required under 15 U.S. Code 1681i. 

Despite following proper dispute procedures and providing supporting documentation, including an FTC identity theft report, these agencies have repeatedly disregarded my claims, failed to correct inaccurate data, and permitted the reinsertion of previously deleted items without proper notification or justification, which is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

I have escalated this matter by submitting formal complaints to the XXXX XXXX XXXX XXXX XXXX XXXX  and the Office of the Attorney General, both of which have been attached to this submission along with : My original disputes Proof of past deletions Evidence of reinsertion My FTC Identity Theft Report A copy of the letters sent to the XXXX and Attorney Generals Office Their lack of compliance and continued negligence in handling my disputes demonstrate a blatant disregard for federal consumer protection laws. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), reinsertion without proper notification and certification is a direct violation of my rights.

This is my 6th request and complaint and no resolution.

Next Legal Action : Should this issue remain unresolved, I will move forward with filing a civil lawsuit with the support of an FCRA attorney and seek monetary damages for the ongoing harm caused to my credit, peace of mind, and financial opportunities. This includes claims for emotional distress, negligence, and failure to comply with federal consumer rights. 

I am prepared to take all necessary legal steps to protect my rights under the law. I appreciate the CFPBs immediate attention and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MN

Complaint narrative:
I have sent out several letters to all three credit bureaus stating that these accounts did not belong to me, and for them to investigate. These accounts under my social security number, and date of birth but not sure what year was used cause it look like one account was open back in 2015 which I was 10 years old. I sent copy of social security card and driver 's license and even bank statement. They are sending me more letters asking for documentation which I keep sending but getting nowhere in the process. I received a copy of credit report from them stating accounts belong to me when I had to put a credit freeze and fraud alert on my credit report its also stated I were a minor when these accounts were open.

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 2025-04-19 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: MN

Complaint narrative:
I have sent out several letters to all three credit bureaus stating that these accounts did not belong to me, and for them to investigate. These accounts under my social security number, and date of birth but not sure what year was used cause it look like one account was open back in 2015 which I was 10 years old. I sent copy of social security card and driver 's license and even bank statement. They are sending me more letters asking for documentation which I keep sending but getting nowhere in the process. I received a copy of credit report from them stating accounts belong to me when I had to put a credit freeze and fraud alert on my credit report its also stated I were a minor when these accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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