vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint against Affirm for failing to properly investigate my dispute regarding a XXXX purchase I financed through Affirm in XXXX. The item was valued at {$2300.00}, and I never received the package. It required a signature for delivery, yet I did not sign for it, and the signature the carrier provided does not match mine.

For four years I have tried to resolve this. Affirm closed the dispute in favor of the merchant without ever providing proof of a valid signature, proof of identity verification, or evidence that the carrier followed required procedures. 

Timeline and Details 1. The item required a signature XXXX requires signature-confirmed delivery for high-value items. 
I never received the package, and I never signed for anything.

2. USPS signature was not mine I completed a USPS signature affidavit and comparison, and the handwriting is clearly not mine.

Affirm never provided the signature image for me to review or confirm.

3. Affirm repeatedly asked me for documentation I provided I submitted : Proof of non-delivery USPS tracking information USPS case investigation Communication showing I never received the product Evidence that the signature on file does not match mine Affirm acknowledged receipt but never addressed the signature mismatch.

4. Affirm closed the dispute without a full investigation Affirm repeatedly stated the package was delivered but ignored : The signature mismatch The required-signature policy My USPS fraud/theft case My affidavit confirming the signature was not mine They refused to connect me with their fraud team.

5. Affirm placed the financial burden back on me Affirm closed the dispute in favor of the merchant and told me to work with USPS and XXXX on my own, despite : The merchant no longer existing USPS confirming the signature was questionable Affirm being the financing entity obligated to investigate fraud claims They then reported overdue balances and continued to hold me responsible for a product I never received.

Why Im Requesting CFPB Assistance Affirm : Failed to investigate fraud Ignored proof the required signature was not mine Shifted responsibility back to me despite their financing role Did not provide the signature copy they relied on Closed the dispute without addressing my evidence Continued reporting the debt despite a long-standing dispute I have been trying to resolve this since XXXX, and no one at Affirm will provide answers or escalate to a fraud review. 

This was a high-value item that was never delivered to me. I am the victim of a delivery-related scam or signature fraud, and Affirm has made no meaningful attempt to investigate or remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: MO

Complaint narrative:
I have been applying for jobs and in XXXXXXXX XXXX XXXX I was rejected employment by a company based on this report from Advantage Services and there is NO WAY I can fail a background report. I have been in my home 23 years, I have an XXXX + credit score. I have 2 paid for cars, I have 3 banks, and I own my own business, very minimal debt .. like XXXX dollars. I have TSA security clearance and I have not had so much as a traffic ticket in 17 years ... and I cant get a job at XXXX... LoL! yea right.... This company is reporting false information or have someone else with the same names report. The Law says I can sue for this company doing this. This company needs to get the information needed by the right person for the right application or service needed. I do want this company investigated because I know they have done this to more people than me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: IA

Complaint narrative:
I was in an accident in XX/XX/2025 with another vehicle. It was there fault, the crossed the XXXX swerving back into my lane and hit me. Apparently, they said it was my fault which it was not, now XXXX is attempting to collect {$5300.00} for me for damages via Wilber Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/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 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 2025-11-13 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: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is currently reporting an unverified bankruptcy on my credit report. I requested verification of this record on XX/XX/year>, and to date, TransUnion has failed to provide any supporting documentation showing how or from whom this bankruptcy was verified. 

TransUnions results simply state the bankruptcy was verified, but no proof, verification source, or confirming documentation has ever been provided. I have an official letter from the U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, confirming that the court does not verify, confirm, or report bankruptcy information to TransUnion, Equifax, Experian, or any other credit bureau. 

Because TransUnion has failed to properly verify this item, it is now in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( reinvestigation procedures ). More than 60 days have passed since my verification request, exceeding the legally required time for reinvestigation. 

I am requesting that the CFPB require TransUnion to delete this unverified bankruptcy immediately and provide written confirmation once the item is permanently removed from my credit file.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Imperial Recovery Consultants, LLC
State: GA

Complaint narrative:
I was scammed by a used appliance store trade in my washer and dryer and gave {$450.00} the very first day the dryer caught on fire the sent A tec to see the damage and he broke the connector to water so now water flooding everywhere. 2 days later I gets a letter from a company called XXXX saying I owe over XXXX for a used washer and dryer I dont owe you anything I paid for and traded my washer and dryer for. Stuff that didnt work and cause damage my house I sent them pictures of the damages. Well years later the used appliances store out of business for scamming and defrauding customers. Today I get a call from all imperial saying I defraud a financial institution saying I now owe over {$1600.00} XXXX told them I was scammed and defraud by the appliance store and XXXX store they owe me money. Stay away from crooks like XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint because LVNV FUNDING is reporting an account that does not belong to me. I have no knowledge of this debt, have never opened this account, and have never received any documentation that proves this debt is mine. This account is completely inaccurate and is harming my credit profile.

I previously disputed this information directly with the credit bureaus, but they failed to properly investigate and verified the item without providing any valid proof of ownership or a signed agreement. This violates the FCRA requirement for a reasonable reinvestigation.

Requested Action : I am asking the CFPB to require LVNV FUNDING and the credit bureaus to : Provide complete validation of this alleged account with original documentation, OR Delete this account from my credit report immediately for failure to verify accuracy as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Upon thoroughly reviewing my credit report, I have identified late payment entries that are inaccurate and unjustified. Despite my repeated efforts to resolve this matter directly with the creditor, they have failed to respond or correct these errors.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am filing this complaint because Barclays failed to conduct a reasonable investigation of my disputed charge and refused to address clear inconsistencies in the merchants documentation. 

The moving companys final invoice contains timestamp discrepancies showing signatures recorded minutes apart at a time when I was not physically present with the mover. This suggests the paperwork was completed or altered after the fact. The charges on the invoice also do not match what was agreed upon at the time of service. I submitted these discrepancies to Barclays as part of my dispute. 

Barclays did not address the timestamp inconsistencies, the altered invoice, or how they reached their conclusion. Instead, they provided a generic explanation that did not answer my questions and did not evaluate the disputed documents. 

After receiving Barclays response, I contacted the Office of the President at the phone number provided in their letter. I reiterated that the documents are inconsistent and unreliable. I was told that Barclays could not do anything further, even though they never addressed the core evidence or explained what materials they relied on.

I am requesting that the CFPB direct Barclays to conduct a reasonable reinvestigation as required by the Fair Credit Billing Act, and provide a clear explanation of how they reached their conclusion given that the merchants documents contain factual discrepancies.

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 2025-11-13 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: SC

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 2025-11-13 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: SC

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A XXXX XXXX XXXX account from XXXX is still negatively affecting my Equifax credit score, even though the account does not appear anywhere in the public tradeline section of my Equifax credit report. Because it is not shown as a collection or account, I am unable to dispute it through Equifaxs dispute portal.

This debt is more than a decade old and is legally obsolete. Under the FCRA, no account older than seven years may be furnished or used for scoring. Because Equifax continues to use hidden, archived, or suppressed data tied to this account, my score is being inaccurately and unlawfully lowered. 

I am submitting this complaint because Equifax is not giving me a way to dispute or remove the obsolete information, even though it is still being used to calculate my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 am a victim of identity theft. Someone has used my social media, license and stole my identity. I have never gave anyone permission or authorization to open any of these accounts listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
b'I am filing this complaint because TransUnion is reporting several accounts I believe to be inaccurate or unverifiable. I have attempted to dispute these items, but they remain unchanged. I request CFPB oversight to ensure TransUnion performs a proper investigation.\n\nCHARGED-OFF / COLLECTION ACCOUNTS\nI dispute the accuracy, ownership, balance, status, and date entries for the following accounts reported by TransUnion:\n\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 XXXXI request complete verification documentation for each item.\n\nLATE PAYMENT REPORTING\nTransUnion is reporting the following late payment entry, which I dispute:\n\nXXXX XXXXI request proof of delinquency, including statements and full payment history.'

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