vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
RE : Final Pre-Litigation Demand Willful & Repeated Violations of FCRA, FDCPA, and XXXX XXXX Deletion Required This letter serves as formal notice that you, as both furnishers and consumer reporting agencies, have engaged in willful, repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the FaiXXXX and Accurate Credit Transactions Act. 

Despite multiple disputes filed with all three consumer reporting agencies, numerous direct disputes sent to furnishers, and formal complaints filed with the FTC and CFPB, you have continued to report inaccurate, incomplete, unverifiable, and/or outdated information on my consumer credit files.

This conduct is in direct violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors.

15 U.S.C. 1681s-2 ( b ) Failure to investigate after CRA notice of dispute.

15 U.S.C. 1681c ( a ) Reporting obsolete information.

15 U.S.C. 1692e & 1692f Use of false, deceptive, or unfair collection practices.

FACTA 312 Failure to block information resulting from identity theft after receipt of proper proof. 

ACCOUNTS IN VIOLATION

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 2025-08-13 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: FL

Complaint narrative:
RE : Final Pre-Litigation Demand Willful & Repeated Violations of FCRA, FDCPA, and XXXX XXXX Deletion Required This letter serves as formal notice that you, as both furnishers and consumer reporting agencies, have engaged in willful, repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the FaiXXXX and Accurate Credit Transactions Act. 

Despite multiple disputes filed with all three consumer reporting agencies, numerous direct disputes sent to furnishers, and formal complaints filed with the FTC and CFPB, you have continued to report inaccurate, incomplete, unverifiable, and/or outdated information on my consumer credit files.

This conduct is in direct violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors.

15 U.S.C. 1681s-2 ( b ) Failure to investigate after CRA notice of dispute.

15 U.S.C. 1681c ( a ) Reporting obsolete information.

15 U.S.C. 1692e & 1692f Use of false, deceptive, or unfair collection practices.

FACTA 312 Failure to block information resulting from identity theft after receipt of proper proof. 

ACCOUNTS IN VIOLATION

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 2025-08-13 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: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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've consistently paid on time, so this late report seems incorrectplease look into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I do not have any type of account with this company! They have pulled my credit report 3 times AFFIRM Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Reported XXXX different accounts. I have no knowledge of either account nor do I have access to check the account out. I only see information when it keeps hitting my credit report repeatedly! Reached out for an explanation and was told to login and pay the debt. With no information on charges or when the account was created

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2022 Balance Owed : {$1100.00} Late Payment Law : FCRA 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) Information must be accurate, complete, and verifiable.

Issue : I dispute the late payment history as it is inaccurate and unverifiable.

Story : I have requested proof of the alleged late payments, but no supporting documentation has been provided. The account may have been reported with incorrect payment dates, harming my creditworthiness. Please delete or correct with proof. 

I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the FCRA.

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 2025-08-13 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: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am submitting a follow up complaint to formally dispute and request the removal of certain fraudulent accounts appearing on my credit report that are the result of identity theft. Enclosed with this letter is a copy of my official Identity Theft Report as required under Section 605B of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX  Balance Owed : {$3900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: DriveTime
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from DriveTime in XXXX XXXX, CA. The advertised price of the car was {$12000.00}, but my financed amount came to {$19000.00} after fees and add-ons that I do not recall clearly agreeing to, including a {$3500.00} powertrain warranty, {$1200.00} XXXX coverage, and {$1100.00} for GPS/tracking. 

The loan was financed through XXXX at an APR of 26 %, with monthly payments of about {$500.00} for 75 months XXXX XXXX XXXX XXXX ). As of today, I have paid over {$25000.00} toward this loan, yet my balance remains {$13000.00}, and my total scheduled payments will exceed {$44000.00} more than triple the current market value of the vehicle ( approximately {$8000.00} ). 

I was young at the time of purchase, did not have a drivers license, and had no credit history. I believe the combination of an inflated vehicle price, unnecessary add-ons, and an excessive APR constitutes a predatory auto loan. This situation has caused significant financial hardship. 

Actions Taken : Continued to make monthly payments. 
Contacted the lender to ask about the high remaining balance ; they stated it was due to the interest rate and length of the loan. 
Reviewed my contract and discovered the added products and services I did not knowingly agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-13 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: LA

Complaint narrative:
I am disputing an account reported by XXXX BANK that does not belong to me or is associated with addresses I have never lived at. The account is listed as a charge-off with past-due amounts, which is inaccurate. I requested verification of this account from Experian, including balances, payment history, and addresses, but they have not provided sufficient information to confirm that I authorized this account. 

I have filed an FTC complaint regarding this unauthorized reporting and requested that Experian investigate and remove the account under 15 U.S.C. 1681c-2 for identity theft and inaccurate reporting. I have also provided proof of my correct address and identity. Despite these actions, the account remains on my credit report, negatively impacting my credit score. 

The account in question shows a reported balance of {$190.00}, with multiple past-due entries between XXXX and XXXX. It is scheduled to remain on my credit report until XXXX. I request that the CFPB assist in ensuring that this inaccurate information is corrected or blocked from my credit report.

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 2025-08-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Given my punctual payments, this seems like a mistake. Please look into it.

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 2025-08-13 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: MOHELA
State: NJ

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department Subject : Formal Dispute of Inaccurate Mohela Student Loan Reporting Under FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information Mohela has reported on my credit report. The account in question includes false or misleading data regarding payment status and/or account history. 

Specifically, Mohela is reporting late or missed payments during a time when my student loans were in an official pause, forbearance, or deferment likely as part of the federal COVID-19 CARES Act protections or a servicer error. I never missed a required payment.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate reinvestigation and correction or deletion of the inaccurate entry. Mohela has been under public scrutiny and legal challenge for its credit reporting failures and mismanagement, and this is consistent with their broader pattern of misconduct.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
A late report doesnt reflect my payment behaviorcould you please double-check?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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